Polk County property record for 656 Downing Cir, Davenport, FL 33897
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,269 sqft · built 1997 |
| Lot Size | 0.139 acres (6,072 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $134,000 (Dec 2011) |
| Tax Bill | $670 (2024) |
| Deeds & Mortgages | Sep 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-25-12-999976-002410 |
| Primary APN | 26-25-12-999976-002410 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,269 sqft Living Area |
| Gross Area | 2,689 sqft |
| 1st Floor Area | 1,582 sqft |
| Upper Floors Area | 687 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 6,072 sqft (0.139 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Pool Type | Enclosed Pool |
|---|---|
| Pool Area | 288 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 108 sqft |
| Cooling System | Central |
|---|
| Street Address | 656 DOWNING CIR |
|---|---|
| City | DAVENPORT |
| State | FL |
| Zip | 33897-6002 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAKE DAVENPORT ESTATES WEST PHASE TWO PB 101 PGS 28 & 29 LOT 241 |
| Legal Range | 26E |
| Legal Township | 25S |
| Legal Section | 12 |
| Legal Subdivision | LAKE DAVENPORT ESTATES WEST PHASE TWO |
| Legal Phase | 2 |
| Legal Tract | 999976 |
| Legal Block | 1 |
| Legal Lot Number | 241 |
| Jurisdiction | POLK FL |
| Township / Civil Division | HAINES CITY |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 12415 |
656 Downing Cir is owned and occupied by two individuals who bought it in December 2011.
Source: Polk County records, as of September 28, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 656 DOWNING CIR, DAVENPORT, FL 33897-6002 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 5, 2011 · Amount on File |
| Deed Sale | Dec 5, 2011 · Amount on File |
| Prior Sale | Jun 17, 2011 · Amount on File |
| Deed Document Number | 2011206485 |
| Deed Book / Page | 8529 / 286 |
| Prior Transfer Date | Jun 3, 2011 |
| Prior Transfer Doc | 0000103596 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 656 DOWNING CIR, DAVENPORT, FL 33897-6002 |
| Transaction Type | Mortgage |
| Record Updated | Oct 6, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000245989 |
|---|---|
| Date | Sep 21, 2021 |
| Book Page | 11901/1823 |
| Instrument | 2021245989 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 1, 2036 |
Source: Polk County assessment roll, as of September 28, 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 |
|---|---|---|---|
| 2026 | $139,456 (+2.7%) | $329,391 (-2.86%) Land $50,000 Building $279,391 | |
| 2025 | $135,790 | $339,078 Land $50,000 Building $289,078 | |
| 2024 | $670.00 (+25%) | ||
| 2023 | $536.00 (+8.28%) Homeowner's exemption | $128,119 (+3%) | $327,221 (+21.24%) Land $48,000 Building $279,221 |
| 2022 | $495.00 Homeowner's exemption | $124,387 | $269,895 Land $40,000 Building $229,895 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 656 Downing Cir in Zone X, an area of minimal flood risk.
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 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.
Wildfire risk around 656 Downing Cir is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 91% 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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