Orange County property record for 1087 Shimmering Sand Dr, Ocoee, FL 34761
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,897 sqft · built 1996 |
| Lot Size | 0.204 acres (8,885 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $437,000 (Mar 2026) |
| Tax Bill | $4,329 (2025) |
| Deeds & Mortgages | Feb 2024 Line of Credit Aug 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-22-28-7346-03-190 |
| Primary APN | 09-22-28-7346-03-190 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,897 sqft Living Area |
| Gross Area | 2,357 sqft |
| 1st Floor Area | 1,897 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,885 sqft (0.204 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 40 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 1087 SHIMMERING SAND DR |
|---|---|
| City | OCOEE |
| State | FL |
| Zip | 34761-9135 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | REFLECTIONS UNIT 3 36/1 LOT 319 |
| Legal Range | 28E |
| Legal Township | 22S |
| Legal Section | 09 |
| Legal Subdivision | REFLECTIONS UT 3 |
| Legal Tract | 7346 |
| Legal Block | 3 |
| Legal Lot Number | 319 |
| Legal Unit | 3 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | WINTER GARDEN-OCOEE |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 15003 |
Source: Orange County records · APN 09-22-28-7346-03-190
Assessment roll updated April 30, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1087 SHIMMERING SAND DR, OCOEE, FL 34761-9135 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Man, Separate Property |
| Date | Document |
|---|---|
| Feb 15, 2024 | Deed of Trust, Mortgage · Line of Credit ROCKET MORTGAGE LLC |
| Aug 24, 2021 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Mar 23, 2026 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Aug 24, 2021 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Aug 17, 2018 | Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 23, 2026 · Amount on Record |
| Deed Sale | Mar 23, 2026 · Amount on Record |
| Prior Sale | Aug 17, 2018 · Amount on Record |
| Deed Document Number | 2026166252 |
| Prior Transfer Date | May 26, 2015 |
| Prior Transfer Doc | 0000421679 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 1087 SHIMMERING SAND DR, OCOEE, FL 34761-9135 |
| Transaction Type | Mortgage |
| Record Updated | Apr 02, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 1087 SHIMMERING SAND DR, OCOEE, FL 34761-9135 |
| Document Number | 0000090500 |
|---|---|
| Date | Feb 15, 2024 |
| Instrument | 20240090500 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 295 Months |
| Due | Sep 01, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 1087 SHIMMERING SAND DR, OCOEE, FL 34761-9135 |
| Transaction Type | Mortgage |
| Record Updated | Apr 02, 2026 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 1087 SHIMMERING SAND DR, OCOEE, FL 34761-9135 |
| Document Number | 0000515341 |
|---|---|
| Date | Aug 24, 2021 |
| Instrument | 20210515341 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 325 Months |
| Due | Sep 01, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Mar 23, 2026 |
| Property Address | 1087 SHIMMERING SAND DR, OCOEE, FL 34761-9135 |
| Document Number | 0000166252 |
| Map Reference | MB 36 PG 1 |
| Instrument Date | Mar 20, 2026 |
| Instrument | 20260166252 |
| Transaction Type | Transfer |
| Record Updated | Apr 02, 2026 |
| Title Company | SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,059.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8138 VILLAGE GREEN RD, ORLANDO, FL 32818-5622 |
| Name | Verified Name |
|---|---|
| Address | 1087 SHIMMERING SAND DR, OCOEE, FL 34761-9135 |
| Document Number | 0000166253 |
|---|---|
| Date | Mar 23, 2026 |
| Instrument | 20260166253 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 1087 SHIMMERING SAND DR, OCOEE, FL 34761-9135 |
| Transaction Type | Mortgage |
| Record Updated | Sep 08, 2021 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 1087 SHIMMERING SAND DR, OCOEE, FL 34761-9135 |
| Document Number | 20210515341 |
|---|---|
| Date | Aug 24, 2021 |
| Instrument | 20210515341 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 325 Months |
| Due | Sep 01, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Aug 17, 2018 |
| Property Address | 1087 SHIMMERING SAND DR, OCOEE, FL 34761-9135 |
| Document Number | 0000492730 |
| Instrument Date | Aug 15, 2018 |
| Instrument | 492730 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2018 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,876.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1087 SHIMMERING SAND DR OCOEE FL 347619135, OCOEE, FL 34761-9135 |
| Document Number | 492731 |
|---|---|
| Date | Aug 17, 2018 |
| Instrument | 492731 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 16, 2048 |
Source: Orange County records · Assessment roll updated April 30, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Municipality | Ocoee City |
| Unified School District | Orange County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $267,885 (+2.7%) | $354,040 (-1.42%) Land $85,000 Building $269,040 | |
| 2025 | $4,329.00 (+7.31%) Homeowner's exemption | $260,842 (+5.99%) | $359,150 (+9.16%) Land $85,000 Building $274,150 |
| 2024 | $4,034.00 (+3.44%) | ||
| 2023 | $3,900.00 (+3.28%) Homeowner's exemption | $246,108 (+3%) | $328,999 (+12.2%) Land $85,000 Building $243,999 |
| 2022 | $3,776.00 Homeowner's exemption | $238,940 | $293,219 Land $85,000 Building $208,219 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 1 (2018) |
| Most Recent Claim | Sep 2018 · river or lake flooding |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AT&T.
Based on FCC filings for 405 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | OCOEE, CITY OF (2 WPS) serves 34,000 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2025 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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