Polk County property record for 972 Downing Cir, Davenport, FL 33897
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,908 sqft · built 1996 |
| Lot Size | 0.16 acres (6,965 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $125,000 (Oct 2009) |
| Tax Bill | $3,823 (2025) |
| Deeds & Mortgages | Jan 2024 Line of Credit Feb 2022 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-25-12-488054-001150 |
| Primary APN | 26-25-12-488054-001150 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,908 sqft Living Area |
| Gross Area | 2,322 sqft |
| 1st Floor Area | 1,908 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 6,965 sqft (0.16 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 414 sqft |
| Pool Area | 288 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 35 sqft |
| Cooling System | Central |
|---|
| Street Address | 972 DOWNING CIR |
|---|---|
| City | DAVENPORT |
| State | FL |
| Zip | 33897-8521 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAKE DAVENPORT ESTATES WEST PHASE ONE PB 96 PG 35 & 36 LOT 115 |
| Legal Range | 26E |
| Legal Township | 25S |
| Legal Section | 12 |
| Legal Subdivision | LAKE DAVENPORT ESTATES WEST PHASE 01 |
| Legal Phase | 1 |
| Legal Tract | 488054 |
| Legal Block | 1 |
| Legal Lot Number | 115 |
| Jurisdiction | POLK FL |
| Township / Civil Division | HAINES CITY |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 12415 |
Source: Polk County records, as of July 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 972 DOWNING CIR, DAVENPORT, FL 33897-8521 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 2, 2024 | Deed of Trust, Mortgage · Line of Credit KINECTA FCU |
| Feb 22, 2022 | Deed of Trust, Mortgage · Conventional Mortgage KINECTA FCU |
| May 27, 2021 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Mar 13, 2020 | Deed of Trust, Mortgage · FHA Mortgage KINECTA FCU |
| May 2, 2018 | Loan Modification, Mortgage · Conventional Mortgage PENNYMAC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 30, 2009 · Amount on Record |
| Deed Sale | Oct 30, 2009 · Amount on Record |
| Prior Sale | Aug 17, 2009 |
| Deed Document Number | 2009193459 |
| Deed Book / Page | 8004 / 1838 |
| Prior Transfer Date | Sep 28, 2009 |
| Prior Transfer Doc | 0000193458 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 972 DOWNING CIR, DAVENPORT, FL 33897-8521 |
| Transaction Type | Mortgage |
| Record Updated | Jan 18, 2024 |
| Title Company | ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 972 DOWNING CIR, DAVENPORT, FL 33897-8521 |
| Document Number | 0000000584 |
|---|---|
| Date | Jan 2, 2024 |
| Book Page | 12959/2226 |
| Instrument | 2024000584 |
| Name | KINECTA FCU |
|---|---|
| Type | Credit Union |
| Address | 90268 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 31, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 972 DOWNING CIR, DAVENPORT, FL 33897-8521 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2022 |
| Name | Verified Name |
|---|---|
| Address | 972 DOWNING CIR, DAVENPORT, FL 33897-8521 |
| Document Number | 0000047150 |
|---|---|
| Date | Feb 22, 2022 |
| Book Page | 12126/2104 |
| Instrument | 2022047150 |
| Name | KINECTA FCU |
|---|---|
| Type | Credit Union |
| Address | MANHATTAN BEACH, CA 90266 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 972 DOWNING CIR, DAVENPORT, FL 33897-8521 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2021 |
| Name | Verified Name |
|---|---|
| Address | 972 DOWNING CIR, DAVENPORT, FL 33897-8521 |
| Document Number | 0000138512 |
|---|---|
| Date | May 27, 2021 |
| Book Page | 11734/1237 |
| Instrument | 2021138512 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 347 Months |
| Due | Apr 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 972 DOWNING CIR, DAVENPORT, FL 33897-8521 |
| Document Number | 0111910869 |
| Instrument Date | Mar 13, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 6, 2020 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 972 DOWNING CIR DAVENPORT FL 338978521, DAVENPORT, FL 33897-8521 |
| Document Number | 0111910869 |
|---|---|
| Date | Mar 30, 2020 |
| Book Page | 011191/000869 |
| Instrument | 69522 |
| Name | KINECTA FCU |
|---|---|
| Type | Credit Union |
| Address | MANHATTAN BEACH, CA 90266 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 29, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 972 DOWNING CIR, DAVENPORT, FL 33897-8521 |
| Document Number | 0105091660 |
| Instrument Date | May 2, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 27, 2018 |
| Name | Verified Name |
|---|---|
| Address | 972 DOWNING CIR DAVENPORT FL 338978521, DAVENPORT, FL 33897-8521 |
| Document Number | 0105091660 |
|---|---|
| Date | Jun 7, 2018 |
| Book Page | 010509/001660 |
| Instrument | 121555 |
| Name | PENNYMAC |
|---|---|
| Address | MOORPARK, CA 93021 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 6, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.5% |
Source: Polk County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,823.00 (-5.67%) | $286,878 (-5.78%) | $308,556 (+1.34%) Land $50,000 Building $258,556 |
| 2023 | $4,053.00 (+11.29%) | $304,471 (+16.89%) Land $48,000 Building $256,471 | $304,471 (+16.89%) Land $48,000 Building $256,471 |
| 2022 | $3,642.00 | $260,472 Land $40,000 Building $220,472 | $260,472 Land $40,000 Building $220,472 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 11 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 11 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 368 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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