1084 Island Pointe Dr, Winter Garden, FL 34787 Property Records

Orange County property record for 1084 Island Pointe Dr, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,672 sqft · built 2003
Lot Size	0.236 acres (10,265 sqft)
Owner	Individual Name on Record
Last Sale	$43,900 (Mar 2002)
Deeds & Mortgages	Apr 2026 Mortgage Apr 2024 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`11-22-27-3897-00-470`

Property Details

APN / Parcel Number

Primary APN	`11-22-27-3897-00-470`
Alternative APNs	`272211389700470` `110037` `110686` `111969`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,672 sqft Living Area
Gross Area	2,330 sqft
1st Floor Area	1,672 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,265 sqft (0.236 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	258 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1084 ISLAND POINTE DR
City	WINTER GARDEN
State	FL
Zip	34787-2235
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	ISLAND POINTE SUB 28/22 LOT 47
Legal Range	27E
Legal Township	22S
Legal Section	11
Legal Subdivision	ISLAND POINTE SUB
Legal Tract	3897
Legal Lot Number	47
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	3
Census Block	3014
Census Tract	17401

Owner

Source: Orange County records, as of May 22, 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	Individual Name on Record
Mailing Address	1084 ISLAND POINTE DR, WINTER GARDEN, FL 34787-2235
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2026	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Apr 29, 2024	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
May 25, 2023	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Feb 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 24, 2021	Intrafamily Transfer, Transfer
Dec 2, 2019	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 14, 2002 · Amount on Record
Deed Sale	Mar 14, 2002 · Amount on Record
Deed Book / Page	6478 / 2030
Last Transfer Date	Dec 1, 2020
Transfer Doc	0000723561
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Recording Date	Apr 29, 2026
Property Address	1084 ISLAND POINTE DR, WINTER GARDEN, FL 34787-2235
Document Number	0000245115
Instrument Date	Apr 22, 2026
Instrument	2026245115
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SIMPLIFILE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1084 ISLAND POINTE DR, WINTER GARDEN, FL 34787-2235

Mortgage

Document Number	0000245115,
Date	Apr 29, 2026
Instrument	2026245115

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1084 ISLAND POINTE DR, WINTER GARDEN, FL 34787-2235
Transaction Type	Mortgage
Record Updated	May 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1084 ISLAND POINTE DR, WINTER GARDEN, FL 34787-2235

Mortgage

Document Number	0000243131
Date	Apr 29, 2024
Instrument	20240243131

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1084 ISLAND POINTE DR, WINTER GARDEN, FL 34787-2235
Transaction Type	Mortgage
Record Updated	Jun 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1084 ISLAND POINTE DR, OAKLAND, FL 34787-2235

Mortgage

Document Number	0000297462
Date	May 25, 2023
Instrument	20230297462

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1084 ISLAND POINTE DR, WINTER GARDEN, FL 34787-2235
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000072815
Date	Feb 1, 2022
Instrument	20220072815

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Feb 1, 2042

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE FL
Recording Date	Nov 24, 2021
Property Address	1084 ISLAND POINTE DR, WINTER GARDEN, FL 34787-2235
Document Number	0000723561
Map Reference	MB 28 PG 22&23
Instrument Date	Dec 1, 2020
Instrument	20210723561
Transaction Type	Transfer
Record Updated	Aug 1, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1084 ISLAND POINTE DR, WINTER GARDEN, FL 34787-2235

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1084 ISLAND POINTE DR, WINTER GARDEN, FL 34787-2235
Document Number	0000767590
Instrument Date	Dec 2, 2019
Transaction Type	Mortgage
Record Updated	Dec 31, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1084 ISLAND POINTE DR WINTER GARDEN FL 347872235, WINTER GARDEN, FL 34787-2235

Mortgage

Document Number	0000767590
Date	Dec 9, 2019
Instrument	767590

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 8, 2034

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Orange County
Municipality	Winter Garden City
Unified School District	Orange County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$165,158 (+2.7%)	$384,180 (-1.21%) Land $100,000 Building $284,180
2025	Homeowner's exemption Widower's exemption	$160,816 (+5.99%)	$388,880 (+14.15%) Land $100,000 Building $288,880
2023	Homeowner's exemption Widower's exemption	$151,732	$340,685 Land $110,000 Building $230,685

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

Flood

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 24 policies
Nearby Flood Policies	24 in force
Nearby Flood Claims	2 (2017)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 390 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: Metronet, T-Mobile.

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