109 Braelock Dr, Ocoee, FL 34761 Property Records

Orange County property record for 109 Braelock Dr, Ocoee, FL 34761

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,949 sqft · built 2002
Lot Size	0.226 acres (9,847 sqft)
Owner	2 Individual Names on Record
Last Sale	$440,000 (Apr 2015)
Tax Bill	$6,803 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Apr 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`32-22-28-2621-00-430`

Property Details

APN / Parcel Number

Primary APN	`32-22-28-2621-00-430`
Alternative APNs	`282232262100430` `260748` `265596` `270140`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,949 sqft Living Area
Gross Area	4,116 sqft
1st Floor Area	1,722 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2004
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	9,847 sqft (0.226 acres)
Garage Type	Attached
Garage Area	609 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	341 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	109 BRAELOCK DR
City	OCOEE
State	FL
Zip	34761-4619
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1AA
Legal Description	WINDSOR LANDING PHASE 1 46/26 LOT 43
Legal Range	28E
Legal Township	22S
Legal Section	32
Legal Subdivision	WINDSOR LANDING PH 1
Legal Phase	1
Legal Tract	2621
Legal Lot Number	43
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1015
Census Tract	14814

Owner

Source: Orange County records, as of May 4, 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 Record
Mailing Address	109 BRAELOCK DR, OCOEE, FL 34761-4619
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2025	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Apr 11, 2020	Deed of Trust, Mortgage · Conventional with PMI MILEND
Jul 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage MILEND
Aug 13, 2018	Deed of Trust, Mortgage · Conventional Mortgage MILEND
Aug 13, 2018	Deed of Trust, Mortgage · Line of Credit ALLEGACY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2015 · Amount on Record
Deed Sale	Apr 17, 2015 · Amount on Record
Prior Sale	Nov 18, 2002 · Amount on Record
Deed Document Number	2015189643
Deed Book / Page	10905 / 1973
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	109 BRAELOCK DR, OCOEE, FL 34761-4619
Transaction Type	Mortgage
Record Updated	Oct 1, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 BRAELOCK DR, OCOEE, FL 34761-4619

Mortgage

Document Number	0000546094
Date	Sep 19, 2025
Instrument	20250546094

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 17, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	109 BRAELOCK DR, OCOEE, FL 34761-4619
Document Number	0000294884
Instrument Date	Apr 11, 2020
Transaction Type	Mortgage
Record Updated	Jun 9, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	109 BRAELOCK DR OCOEE FL 347614619, OCOEE, FL 34761-4619

Mortgage

Document Number	0000294884
Date	May 26, 2020
Instrument	294884

Lender

Name	MILEND
Address	ALPHARETTA, GA 30009

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	240 Months
Due	May 25, 2040

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	109 BRAELOCK DR, OCOEE, FL 34761-4619
Document Number	0000472968
Instrument Date	Jul 18, 2019
Transaction Type	Mortgage
Record Updated	Aug 19, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	109 BRAELOCK DR OCOEE FL 347614619, OCOEE, FL 34761-4619

Mortgage

Document Number	0000472968
Date	Jul 31, 2019
Instrument	472968

Lender

Name	MILEND
Address	ALPHARETTA, GA 30009

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jul 30, 2044

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	109 BRAELOCK DR, OCOEE, FL 34761-4619
Document Number	0000534888
Instrument Date	Aug 13, 2018
Transaction Type	Mortgage
Record Updated	Nov 22, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	109 BRAELOCK DR OCOEE FL 347614619, OCOEE, FL 34761-4619

Mortgage

Document Number	0000534888
Date	Sep 10, 2018
Instrument	534888

Lender

Name	MILEND
Address	ALPHARETTA, GA 30009

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 9, 2048

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	109 BRAELOCK DR, OCOEE, FL 34761-4619
Document Number	0000534889
Instrument Date	Aug 13, 2018
Transaction Type	Mortgage
Record Updated	Sep 26, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	109 BRAELOCK DR OCOEE FL 347614619, OCOEE, FL 34761-4619

Mortgage

Document Number	0000534889
Date	Sep 10, 2018
Instrument	534889

Lender

Name	ALLEGACY FCU
Type	Credit Union
Address	WINSTON SALEM, NC 27114-6043

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 9, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$418,400 (+2.7%)	$604,450 (-1.47%) Land $95,000 Building $509,450
2025	$6,803.00 (+6.18%) Homeowner's exemption	$407,400 (+5.99%)	$613,470 (+10.99%) Land $95,000 Building $518,470
2024	$6,407.00 (+3.36%)
2023	$6,199.00 (+3.02%) Homeowner's exemption	$384,386 (+3%)	$552,714 (+18.06%) Land $95,000 Building $457,714
2022	$6,017.00 Homeowner's exemption	$373,190	$468,178 Land $80,000 Building $388,178

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 37 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	37 in force
Nearby Flood Claims	2 (2022–2024)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 2024 · Hurricane Milton

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	Not rated no burnable land within ember reach

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 343 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Summit Broadband Fiber · DSL in parts of the area	40,000 / 40,000
Xfinity Cable	1,200 / 35
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Andrena, CenturyLink.

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