Orange County property record for 1049 Spring Mill Dr, Winter Garden, FL 34787
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 3,128 sqft · built 2001 |
| Lot Size | 0.384 acres (16,741 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $284,700 (May 2001) |
| Tax Bill | $5,201 (2025) |
| Deeds & Mortgages | Feb 2020 Line of Credit Aug 2018 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 36-22-27-1091-00-890 |
| Primary APN | 36-22-27-1091-00-890 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,128 sqft Living Area |
| Gross Area | 4,040 sqft |
| 1st Floor Area | 2,795 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 16,741 sqft (0.384 acres) |
| Garage Type | Attached |
| Garage Area | 614 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 239 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 1049 SPRING MILL DR |
|---|---|
| City | WINTER GARDEN |
| State | FL |
| Zip | 34787-5532 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | CAMBRIDGE CROSSING PHASE 2 43/147 LOT 89 |
| Legal Range | 27E |
| Legal Township | 22S |
| Legal Section | 36 |
| Legal Subdivision | CAMBRIDGE CROSSING PH 2 |
| Legal Phase | 2 |
| Legal Tract | 1091 |
| Legal Lot Number | 89 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 17120 |
1049 Spring Mill Dr is owned and occupied by two individuals who bought it in May 2001.
Source: Orange County records, as of May 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1049 SPRING MILL DR, WINTER GARDEN, FL 34787-5532 |
| 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.
| Date | Document |
|---|---|
| Feb 14, 2020 | Deed of Trust, Mortgage · Line of Credit JP MORGAN CHASE BK |
| Aug 23, 2018 | Deed of Trust, Mortgage · Line of Credit SUNTRUST BK |
| Sep 7, 2017 | Loan Modification, Mortgage · Line of Credit SUNTRUST BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 25, 2001 · Amount on File |
| Deed Sale | May 25, 2001 · Amount on File |
| Deed Book / Page | 6266 / 6285 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 1049 SPRING MILL DR, WINTER GARDEN, FL 34787-5532 |
| Document Number | 0000135196 |
| Instrument Date | Feb 14, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 8, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 1049 SPRING MILL DR WINTER GARDEN FL 347875532, WINTER GARDEN, FL 34787-5532 |
| Document Number | 0000135196 |
|---|---|
| Date | Mar 3, 2020 |
| Instrument | 135196 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 2, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 1049 SPRING MILL DR, WINTER GARDEN, FL 34787-5532 |
| Document Number | 0000531853 |
| Instrument Date | Aug 23, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2018 |
| Title Company | AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 1049 SPRING MILL DR WINTER GARDEN FL 347875532, WINTER GARDEN, FL 34787-5532 |
| Document Number | 0000531853 |
|---|---|
| Date | Sep 7, 2018 |
| Instrument | 531853 |
| Name | SUNTRUST BK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 6, 2048 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 1049 SPRING MILL DR, WINTER GARDEN, FL 34787-5532 |
| Document Number | 0000517932 |
| Instrument Date | Sep 7, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2018 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE INC |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 1049 SPRING MILL DR WINTER GARDEN FL 347875532, WINTER GARDEN, FL 34787-5532 |
| Document Number | 0000517932 |
|---|---|
| Date | Sep 21, 2017 |
| Instrument | 517932 |
| Name | SUNTRUST BK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 20, 2047 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 1049 Spring Mill Dr was $5,201, up 5.2% 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 | $363,167 (+2.7%) | $667,510 (-1.42%) Land $135,000 Building $532,510 | |
| 2025 | $5,201.00 (+5.16%) Homeowner's exemption | $353,619 | $677,130 Land $135,000 Building $542,130 |
| 2024 | $4,946.00 (+3.62%) | ||
| 2023 | $4,773.00 (+2.98%) Homeowner's exemption | $333,644 (+3%) | $615,633 (+26.29%) Land $135,000 Building $480,633 |
| 2022 | $4,635.00 Homeowner's exemption | $323,926 | $487,484 Land $115,000 Building $372,484 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1049 Spring Mill Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2022.
Source: FEMA National Flood Hazard Layer, effective September 24, 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 54 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 54 in force |
| Nearby Flood Claims | 2 (2022) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
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 1049 Spring Mill Dr 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 96% 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 |
| Also Mapped Here | OCUD/SOUTHERN WATER SYS (5 WPS) |
| 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 148 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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