Orange County property record for 11 Speer Ave, Oakland, FL 34760
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,402 sqft · built 1997 |
| Lot Size | 0.33 acres (14,369 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $425,000 (Dec 2019) |
| Tax Bill | $6,174 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Dec 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-22-27-6108-50-161 |
| Primary APN | 20-22-27-6108-50-161 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,402 sqft Living Area |
| Gross Area | 3,505 sqft |
| 1st Floor Area | 1,377 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 14,369 sqft (0.33 acres) |
| Garage Type | Attached |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 148 sqft |
| Patio Area | 2 sqft |
| Storage Building | 300 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 11 SPEER AVE |
|---|---|
| City | OAKLAND |
| State | FL |
| Zip | 34760-8966 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1A |
| Legal Description | PLAT OF THE TOWN OF OAKLAND B/99 COMM NE COR BLK 50 RUN W 21 5 FT FOR POB TH CONT W 115 FT S 125 FT E 115 FT N 125 FT TO POB |
| Legal Range | 27E |
| Legal Township | 22S |
| Legal Section | 20 |
| Legal Subdivision | OAKLAND TOWN OF |
| Legal Tract | 6108 |
| Legal Block | 50 |
| Legal Lot Number | 161 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | WINTER GARDEN-OCOEE |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 17200 |
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 | PO BOX 57, OAKLAND, FL 34760-0057 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 16, 2019 | Warranty Deed, Transfer · Conventional with PMI MIDWEST LN SOLUTIONS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 16, 2019 · Amount on Record |
| Deed Sale | Dec 16, 2019 · Amount on Record |
| Prior Sale | Aug 29, 1996 · Amount on Record |
| Deed Document Number | 2019784205 |
| Prior Transfer Date | May 11, 2016 |
| Prior Transfer Doc | 0000275002 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 11 SPEER AVE, OAKLAND, FL 34760-8966 |
| Transaction Type | Mortgage |
| Record Updated | Apr 20, 2021 |
| Title Company | NATIONS TITLE AGENCY |
| Name | Verified Name |
|---|
| Document Number | 20210180174 |
|---|---|
| Date | Mar 30, 2021 |
| Instrument | 20210180174 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Dec 16, 2019 |
| Property Address | 11 SPEER AVE, OAKLAND, FL 34760-8966 |
| Document Number | 0000784205 |
| Instrument Date | Dec 12, 2019 |
| Instrument | 784205 |
| Transaction Type | Transfer |
| Record Updated | Jan 14, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,975.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 11 SPEER AVE OAKLAND FL 347608966, OAKLAND, FL 34760-8966 |
| Document Number | 784206 |
|---|---|
| Date | Dec 16, 2019 |
| Instrument | 784206 |
| Name | MIDWEST LN SOLUTIONS INC |
|---|---|
| Address | SOUTHFIELD, MI 48034 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 15, 2049 |
Source: Orange County assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Municipality | Oakland Town |
| Unified School District | Orange County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $392,303 (+2.7%) | $518,080 (-5.24%) Land $150,000 Building $368,080 | |
| 2025 | $6,174.00 (+3.04%) Homeowner's exemption | $381,989 (+5.99%) | $546,708 (+8.53%) Land $172,428 Building $374,280 |
| 2024 | $5,992.00 (+5.92%) | ||
| 2023 | $5,657.00 (+3.04%) Homeowner's exemption | $360,412 (+3%) | $503,730 (+18.82%) Land $172,428 Building $331,302 |
| 2022 | $5,490.00 Homeowner's exemption | $349,915 | $423,930 Land $143,690 Building $280,240 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 1 (2017) |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF OAKLAND serves 6,202 people · EPA ID FL3480913 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2026 |
| Lead | 3 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, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 214 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
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