Orange County property record for 656 Dharma Cir, Winter Garden, FL 34787
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,342 sqft · built 2000 |
| Lot Size | 0.215 acres (9,363 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,027 (2025) |
| Deeds & Mortgages | Oct 2023 Mortgage |
| Flood Zone | Zone A (high risk) |
| APN | 26-22-27-1988-00-030 |
| Primary APN | 26-22-27-1988-00-030 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,342 sqft Living Area |
| Gross Area | 1,742 sqft |
| 1st Floor Area | 1,342 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,363 sqft (0.215 acres) |
| Garage Type | Attached |
| Garage Area | 384 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Finished/Open Porch |
| Porch Area | 16 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 656 DHARMA CIR |
|---|---|
| City | WINTER GARDEN |
| State | FL |
| Zip | 34787-4369 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | DANIELS CROSSING PH 3 43/50 LOT 3 |
| Legal Range | 27E |
| Legal Township | 22S |
| Legal Section | 26 |
| Legal Subdivision | DANIELS CROSSING PH 3 |
| Legal Phase | 3 |
| Legal Tract | 1988 |
| Legal Lot Number | 3 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | WINTER GARDEN-OCOEE |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 17402 |
656 Dharma Cir is owned and occupied by two individuals who acquired it in September 2023.
Source: Orange County records, as of April 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 656 DHARMA CIR, WINTER GARDEN, FL 34787-4369 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Sep 26, 2023 |
| Transfer Doc | 0000575443 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Oct 5, 2023 |
| Property Address | 656 DHARMA CIR, WINTER GARDEN, FL 34787-4369 |
| Document Number | 0000575443 |
| Map Reference | MB 43 PG 50&51 |
| Instrument Date | Sep 26, 2023 |
| Instrument | 20230575443 |
| Transaction Type | Transfer |
| Record Updated | Oct 19, 2023 |
| Title Company | ALOMA TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 656 DHARMA CIR, WINTER GARDEN, FL 34787-4369 |
| Name | Verified Name |
|---|---|
| Address | 656 DHARMA CIR, WINTER GARDEN, FL 34787-4369 |
| Document Number | 0000575444 |
|---|---|
| Date | Oct 5, 2023 |
| Instrument | 20230575444 |
| Name | PARTNERS FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2053 |
The 2025 property tax bill for 656 Dharma Cir was $1,027, up 6% from the year before.
Source: Orange County assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Municipality | Winter Garden City |
| Unified School District | Orange County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $106,384 (+2.7%) | $310,560 (-1.13%) Land $100,000 Building $210,560 | |
| 2025 | $1,027.00 (+5.99%) Homeowner's exemption | $103,587 | $314,100 Land $100,000 Building $214,100 |
| 2024 | $969.00 (+5.44%) | ||
| 2023 | $919.00 (+4.67%) Homeowner's exemption | $97,736 (+3%) | $271,138 (+17.2%) Land $100,000 Building $171,138 |
| 2022 | $878.00 Homeowner's exemption | $94,889 | $231,338 Land $100,000 Building $131,338 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 656 Dharma Cir in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 14 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 14 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.
Wildfire risk around 656 Dharma Cir 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 97% of the US · lower than 96% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WINTER GARDEN WATER DEPT (3 WPS) serves 72,205 people · EPA ID FL3481481 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2024 |
| Lead | 3 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 243 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
May also be available: Verizon.
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