326 Cello St, Davenport, FL 33896 Property Records

Polk County property record for 326 Cello St, Davenport, FL 33896

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,019 sqft · built 2003
Lot Size	0.121 acres (5,249 sqft)
Owner	Individual Name on File
Last Sale	$133,900 (Mar 2003)
Tax Bill	$691 (2025)
Deeds & Mortgages	Feb 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`27-26-07-701256-000930`

Property Details

APN / Parcel Number

Primary APN	`27-26-07-701256-000930`
Alternative APNs	`072627701256000930` `72627000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,019 sqft Living Area
Gross Area	2,399 sqft
1st Floor Area	2,019 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	5,249 sqft (0.121 acres)
Lot Dimensions	105 ft deep x 50 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	380 sqft
Porch	Unfinished Open Porch
Porch Area	36 sqft
Patio Area	40 sqft

Location & Zoning

Street Address	326 CELLO ST
City	DAVENPORT
State	FL
Zip	33896-8359
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEYBOLD ON DUNSON ROAD PHASE SIX PB 108 PGS 3 & 4 LOT 93
Legal Range	27E
Legal Township	26S
Legal Section	07
Legal Subdivision	SEYBOLD ON DUNSON ROAD PHASE SIX
Legal Phase	6
Legal Tract	701256
Legal Block	1
Legal Lot Number	93
Jurisdiction	POLK FL
Township / Civil Division	HAINES CITY
Census Block Group	1
Census Block	1006
Census Tract	12405

Owner

326 Cello St is owned and occupied by an individual who bought it in March 2003.

Source: Polk County records, as of September 28, 2026

Owner of Record	Individual Name on File
Mailing Address	326 CELLO ST, DAVENPORT, FL 33896-8359
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 11, 2003 · Amount on File
Deed Sale	Mar 11, 2003 · Amount on File
Deed Book / Page	5286 / 1017
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	326 CELLO ST, DAVENPORT, FL 33896-8359
Transaction Type	Mortgage
Record Updated	Feb 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 5241, CLEARWATER, FL 33758-5241

Mortgage

Document Number	0000028935
Date	Feb 4, 2021
Book Page	11566/1464
Instrument	2021028935

Lender

Name	USF FCU
Type	Credit Union
Address	TAMPA, FL 33612

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Jan 11, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 326 Cello St was $691 with a homeowner's exemption.

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$96,228 (+2.7%)	$259,542 (-0.87%) Land $52,000 Building $207,542
2025	$691.00 Homeowner's exemption	$93,698	$261,819 Land $52,000 Building $209,819
2023	$1,115.00 (+5.19%) Homeowner's exemption	$88,405 (+3%)	$293,961 (+10.42%) Land $50,000 Building $243,961
2022	$1,060.00 Homeowner's exemption	$85,830	$266,228 Land $42,000 Building $224,228

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 326 Cello St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2012.

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 File median of 37 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	37 in force
Nearby Flood Claims	4 (2012–2022)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Sep 2022 · Hurricane Ian

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.

Wildfire

Wildfire risk around 326 Cello St is low, with a 0.01% annual chance of wildfire.

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	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NORTHEAST serves 60,557 people · EPA ID FL6530617
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Nov 2023
Treatment and Procedure	None last 10 years
Monitoring and Reporting	12 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 286 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20