1085 Spring Mill Dr, Winter Garden, FL 34787 Property Records

Orange County property record for 1085 Spring Mill Dr, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,411 sqft · built 2000
Lot Size	0.493 acres (21,476 sqft)
Owner	2 Individual Names on File
Last Sale	$475,000 (Sep 2015)
Tax Bill	$6,612 (2025)
Deeds & Mortgages	Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`36-22-27-1091-00-950`

Property Details

APN / Parcel Number

Primary APN	`36-22-27-1091-00-950`
Alternative APNs	`272236109100950` `130176` `130961` `132459`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,411 sqft Living Area
Gross Area	4,424 sqft
1st Floor Area	2,937 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2005
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,476 sqft (0.493 acres)
Garage Type	Attached
Garage Area	633 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	296 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1085 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 95
Legal Range	27E
Legal Township	22S
Legal Section	36
Legal Subdivision	CAMBRIDGE CROSSING PH 2
Legal Phase	2
Legal Tract	1091
Legal Lot Number	95
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1003
Census Tract	17120

Owner

1085 Spring Mill Dr is owned and occupied by two individuals who bought it in September 2015.

Source: Orange County records, as of May 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1085 SPRING MILL DR, WINTER GARDEN, FL 34787-5532
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 2, 2015 · Amount on File
Deed Sale	Sep 2, 2015 · Amount on File
Prior Sale	Aug 8, 2000 · Amount on File
Deed Document Number	2015462441
Deed Book / Page	10977 / 3649
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1085 SPRING MILL DR, WINTER GARDEN, FL 34787-5532
Transaction Type	Mortgage
Record Updated	Jul 13, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210375491
Date	Jun 23, 2021
Instrument	20210375491

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	175 Months
Due	Jan 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 1085 Spring Mill Dr was $6,612, up 5.2% from the year before.

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		$452,113 (+2.7%)	$768,300 (-1.4%) Land $135,000 Building $633,300
2025	$6,612.00 (+5.15%) Homeowner's exemption	$440,227	$779,240 Land $135,000 Building $644,240
2024	$6,288.00 (+3.54%)
2023	$6,073.00 (+2.9%) Homeowner's exemption	$415,359 (+3%)	$705,843 (+27%) Land $135,000 Building $570,843
2022	$5,902.00 Homeowner's exemption	$403,261	$555,763 Land $115,000 Building $440,763

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

Flood

FEMA maps place 1085 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	Hurricane Ian, Sep 2022 · 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 1085 Spring Mill Dr is moderate, ranking above 62% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 62% of the US · lower than 63% of Florida
Wildfire Likelihood	0.2% 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	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

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 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