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10328 Spring Arbor Ln, Winter Garden, FL 34787 Property Records

Orange County property record for 10328 Spring Arbor Ln, Winter Garden, FL 34787 · Last verified May 2026

Property Summary

Property TypeTownhouse
Details4 bd · 3 ba · 2,037 sqft · built 2021
Lot Size0.054 acres (2,340 sqft)
OwnerIndividual Name on File
Last Sale$314,680 (Apr 2021)
Tax Bill$6,096 (2025)
Deeds & MortgagesJan 2026 Second Mortgage
Nov 2022 Line of Credit
+ 3 more
Flood ZoneZone X (minimal risk)
APN17-24-27-7827-00-560

Property Details

APN / Parcel Number

Primary APN17-24-27-7827-00-560
Alternative APNs
  • 272417782700560
  • 166439
  • 167798
  • 170438

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories2 Stories
Building Area2,037 sqft Living Area
Gross Area2,715 sqft
1st Floor Area1,116 sqft
FlooringCarpet

Exterior

Year BuiltBuilt 2021
Effective Year BuiltEffective 2021
Architectural StyleTownhouse
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area2,340 sqft (0.054 acres)
Garage TypeDetached
Garage Area400 sqft
PorchSlab
Porch Area59 sqft
Total Buildings2 Buildings

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address10328 SPRING ARBOR LN
CityWINTER GARDEN
StateFL
Zip34787-1778
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Legal DescriptionWINDING BAY PRESERVE 98/63 LOT 56
Legal Range27E
Legal Township24S
Legal Section17
Legal SubdivisionWINDING BAY PRESERVE
Legal Lot Number56
JurisdictionORANGE FL
Township / Civil DivisionSOUTHWEST ORANGE
Census Block Group1
Census Block1132
Census Tract17111

Owner

Source: Orange County records · APN 17-24-27-7827-00-560

Assessment roll updated April 30, 2026 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address10328 SPRING ARBOR LN, WINTER GARDEN, FL 34787-1778
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 06, 2026Deed of Trust, Mortgage · Stand-Alone Second Mortgage
FAIRWINDS CU
Nov 30, 2022Deed of Trust, Mortgage · Line of Credit
FAIRWINDS CU
Apr 07, 2021Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage
K HOVNANIAN AMERICAN MORTGAGE LLC
Apr 07, 2021Special Warranty Deed, Transfer · FHA Mortgage
K HOVNANIAN AMERICAN MORTGAGE LLC
Apr 02, 2020Deed of Trust, Mortgage · Line of Credit
WILMINGTON TR NA

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleApr 07, 2021 · Amount on Record
Deed SaleApr 07, 2021 · Amount on Record
Deed Document Number2021201086
Record UpdatedJun 08, 2026

January 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionORANGE FL
Property Address10328 SPRING ARBOR LN, WINTER GARDEN, FL 34787-1778
Transaction TypeMortgage
Record UpdatedJan 22, 2026
Title CompanyMORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address10328 SPRING ARBOR LN, WINTER GARDEN, FL 34787-1778

Mortgage

Document Number0000008335
DateJan 06, 2026
Instrument20260008335
Lender
NameFAIRWINDS CU
TypeCredit Union
AddressORLANDO, FL 32826
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded
Term240 Months
DueJan 05, 2046

November 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionORANGE FL
Property Address10328 SPRING ARBOR LN, WINTER GARDEN, FL 34787-1778
Transaction TypeMortgage
Record UpdatedMar 17, 2023
Title CompanyMORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
Address10328 SPRING ARBOR LN, WINTER GARDEN, FL 34787-1778

Mortgage

Document Number0000718219
DateNov 30, 2022
Instrument20220718219
Lender
NameFAIRWINDS CU
TypeCredit Union
AddressORLANDO, FL 32826
Agreement
TypeLine of Credit
AmountAmount Recorded
Term180 Months
DueNov 28, 2037
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

April 2021: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionORANGE FL
Recording DateApr 07, 2021
Property Address10328 SPRING ARBOR LN, WINTER GARDEN, FL 34787-1778
Document Number0000201086
Map ReferenceMB 98 PG 63-66
Instrument DateMar 30, 2021
Instrument20210201086
Transaction TypeSubdivision Related Transfer
Record UpdatedMar 16, 2023
Title CompanyEASTERN NATIONAL TITLE AGENCY FLORIDA LLC, EASTERN NATL TTL AGCY FL LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,202.90
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2301 LUCICT WAY #260260, 260260, MAITLAND, FL 32751

Transferred To (Grantee/Buyer)

NameVerified Name
Address10328 SPRING ARBOR LN, WINTER GARDEN, FL 34787-1778

Mortgage

Document Number0000201087
DateApr 07, 2021
Instrument20210201087
Lender
NameK HOVNANIAN AMERICAN MORTGAGE LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueApr 01, 2051

April 2021: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionORANGE FL
Recording DateApr 07, 2021
Property Address10328 SPRING ARBOR LN, WINTER GARDEN, FL 34787-1778
Document Number20210201086
Map ReferenceMB 98 PG 63-66
Instrument DateMar 30, 2021
Instrument20210201086
Transaction TypeTransfer
Record UpdatedApr 26, 2021
Title CompanyEASTERN NATIONAL TITLE AGENCY FLORIDA LLC, EASTERN NATL TTL AGCY FL LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,202.90
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2301 LUCICT WAY #260260, 2301, MAITLAND, FL 32751

Transferred To (Grantee/Buyer)

NameVerified Name
Address10328 SPRING ARBOR LN, WINTER GARDEN, FL 34787-1778

Mortgage

Document Number20210201087
DateApr 07, 2021
Instrument20210201087
Lender
NameK HOVNANIAN AMERICAN MORTGAGE LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueApr 01, 2051

April 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionORANGE FL
Property Address10328 SPRING ARBOR LN, WINTER GARDEN, FL 34787-1778
Document Number0000242928
Instrument DateApr 02, 2020
Transaction TypeMortgage
Record UpdatedMay 19, 2020
Title CompanyTITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address90 MATAWAN RD #5TH MATAWAN NJ 077472623, 5TH, MATAWAN, NJ 07747-2623

Mortgage

Document Number0000242928
DateApr 20, 2020
Instrument242928
Lender
NameWILMINGTON TR NA
Address50 S 6TH ST # 1290, MINNEAPOLIS, MN 55402-1544
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Orange County records · Assessment roll updated April 30, 2026 · Last verified May 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOrange County
Unified School DistrictOrange County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$391,560 (+2.7%)$417,280 (-1.16%) Land $75,000 Building $342,280
2025$6,096.00 (+4.37%) Homeowner's exemption$381,266 (+5.99%)$422,180 (+17.36%) Land $75,000 Building $347,180
2024$5,841.00 (+7.04%)
2023$5,457.00 (-0.37%) Homeowner's exemption$359,729 (+11.54%) Land $65,000 Building $294,729$359,729 (+11.54%) Land $65,000 Building $294,729
2022$5,477.00$322,504 Land $75,000 Building $247,504$322,504 Land $75,000 Building $247,504

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Orange County (12095C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120950171111, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AH, within 500 ft
Flood Insurance CostPremium on Record
median of 269 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies269 in force
211 of 269 on primary residences
Nearby Flood Claims4 (2014–2024)
Claims Outside the SFHA1 of 4
Most Recent ClaimOct 2024, river or lake flooding, Hurricane Milton
Flood Events
  • Hurricane Milton (Oct 2024), 2 claims

Wildfire

Wildfire RiskHigh
above 75% of the US · above 61% of Florida
Wildfire LikelihoodAbout 1 in 243 per year
ExposureDirect
burnable vegetation at the parcel

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.

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