10545 Spring Arbor Ln, Winter Garden, FL 34787 Property Records

Orange County property record for 10545 Spring Arbor Ln, Winter Garden, FL 34787

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 1,732 sqft · built 2019
Lot Size	0.053 acres (2,300 sqft)
Owner	2 Individual Names on File
Last Sale	$289,119 (Nov 2019)
Tax Bill	$6,015 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-24-27-7827-00-840`

Property Details

APN / Parcel Number

Primary APN	`17-24-27-7827-00-840`
Alternative APNs	`272417782700840` `166473` `167832` `170472`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,732 sqft Living Area
Gross Area	2,439 sqft
1st Floor Area	960 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Townhouse
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	2,300 sqft (0.053 acres)
Garage Type	Detached
Garage Area	400 sqft
Porch	Slab
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	10545 SPRING ARBOR LN
City	WINTER GARDEN
State	FL
Zip	34787-1777
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	P-D
Legal Description	WINDING BAY PRESERVE 98/63 LOT 84
Legal Range	27E
Legal Township	24S
Legal Section	17
Legal Subdivision	WINDING BAY PRESERVE
Legal Lot Number	84
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1132
Census Tract	17111

Owner

10545 Spring Arbor Ln, a townhouse, is owned and occupied by two individuals who bought it in November 2019.

Source: Orange County records, as of May 4, 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	10545 SPRING ARBOR LN, WINTER GARDEN, FL 34787-1777
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Nov 1, 2019	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage READY MORTGAGE LENDERS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2019 · Amount on File
Deed Sale	Nov 1, 2019 · Amount on File
Deed Document Number	2019686982
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	10545 SPRING ARBOR LN, WINTER GARDEN, FL 34787-1777
Document Number	0000669472
Instrument Date	Aug 11, 2020
Transaction Type	Mortgage
Record Updated	Jan 8, 2021
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10545 SPRING ARBOR LN WINTER GARDEN FL 347871777, WINTER GARDEN, FL 34787-1777

Mortgage

Document Number	0000669472
Date	Dec 22, 2020
Instrument	669472

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 21, 2050

November 2019: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Nov 1, 2019
Property Address	10545 SPRING ARBOR LN, WINTER GARDEN, FL 34787-1777
Document Number	0000686982
Map Reference	MB 98 PG 63-66
Instrument Date	Oct 30, 2019
Instrument	20190686982
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 3, 2022
Title Company	EASTERN NATL TTL AGCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,024.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2301 LUCIEN WAY STE 260, 2301, MAITLAND, FL 32751-7008

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10545 SPING ARBOR LANE, WINTER GARDEN, FL 34787-1777

Mortgage

Document Number	0000686983
Date	Nov 1, 2019
Instrument	20190686983

Lender

Name	READY MORTGAGE LENDERS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 10545 Spring Arbor Ln was $6,015, up 1.3% from the year before.

Source: Orange County assessment roll, as of April 30, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$371,930 (-1.15%) Land $75,000 Building $296,930	$371,930 (-1.15%) Land $75,000 Building $296,930
2025	$6,015.00 (+1.35%) Homeowner's exemption	$376,260 Land $75,000 Building $301,260	$376,260 Land $75,000 Building $301,260
2024	$5,935.00 (+12.3%)
2023	$5,285.00 (+9.62%)	$318,297 (+10.61%) Land $65,000 Building $253,297	$318,297 (+10.61%) Land $65,000 Building $253,297
2022	$4,821.00	$287,754 Land $75,000 Building $212,754	$287,754 Land $75,000 Building $212,754

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

Flood

FEMA maps place 10545 Spring Arbor Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AH, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 269 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	269 in force
Nearby Flood Claims	4 (2014–2024)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 2 claims

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 10545 Spring Arbor Ln is high, ranking above 75% of the US, with a 0.4% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 75% of the US · above 61% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

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	OCUD/SOUTHERN WATER SYS (5 WPS) serves 80,738 people · EPA ID FL3484119
Water Source	Groundwater
Last State Inspection	May 2024
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 589 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

Nearby Properties on Spring Arbor Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures