1130 Shimmering Sand Dr, Ocoee, FL 34761 Property Records

Orange County property record for 1130 Shimmering Sand Dr, Ocoee, FL 34761

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,027 sqft · built 1995
Lot Size	0.23 acres (10,012 sqft)
Owner	2 Individual Names on Record
Last Sale	$305,000 (Jan 2020)
Tax Bill	$4,589 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-22-28-7335-02-880`

Property Details

APN / Parcel Number

Primary APN	`09-22-28-7335-02-880`
Alternative APNs	`282209733502880` `230802` `235640` `240210`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,027 sqft Living Area
Gross Area	2,813 sqft
1st Floor Area	1,191 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,012 sqft (0.23 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	218 sqft
Patio Area	2 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1130 SHIMMERING SAND DR
City	OCOEE
State	FL
Zip	34761-9137
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	REFLECTIONS UNIT ONE 34/46 LOT 288
Legal Range	28E
Legal Township	22S
Legal Section	09
Legal Subdivision	REFLECTIONS UT 1
Legal Tract	7335
Legal Block	2
Legal Lot Number	288
Legal Unit	1
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	3
Census Block	3003
Census Tract	15003

Owner

Source: Orange County records, as of June 2, 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	1130 SHIMMERING SAND DR, OCOEE, FL 34761-9137
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2023	Deed of Trust, Mortgage THIRD FSLA OF CLEVELAND
Dec 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 30, 2020	Quit Claim Deed, Transfer · Conventional Mortgage MLD MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 2020 · Amount on Record
Deed Sale	Jan 30, 2020 · Amount on Record
Prior Sale	Jan 5, 2016 · Amount on Record
Deed Document Number	202063271
Prior Transfer Date	Jan 28, 2020
Prior Transfer Doc	0000063271
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1130 SHIMMERING SAND DR, OCOEE, FL 34761-9137
Transaction Type	Mortgage
Record Updated	Nov 15, 2023
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1130 SHIMMERING SAND DR, OCOEE, FL 34761-9137

Mortgage

Document Number	0000628636
Date	Oct 30, 2023
Instrument	20230628636

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Oct 25, 2043

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1130 SHIMMERING SAND DR, OCOEE, FL 34761-9137
Transaction Type	Mortgage
Record Updated	Jan 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1130 SHIMMERING SAND DR, OCOEE, FL 34761-9137

Mortgage

Document Number	0000795086
Date	Dec 30, 2021
Instrument	20210795086

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE FL
Recording Date	Jan 30, 2020
Property Address	1130 SHIMMERING SAND DR, OCOEE, FL 34761-9137
Document Number	0000063271
Map Reference	MB 34 PG 46&47
Instrument Date	Jan 28, 2020
Instrument	20200063271
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	SOUTHEAST PROFESSIONAL TTL L

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,135.00
Amount Accuracy	Rounded by County
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1130 SHIMMERING SAND DR, 1130, OCOEE, FL 34761-9137

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1130 SHIMMERING SAND DR, OCOEE, FL 34761-9137

Mortgage

Document Number	0000063272
Date	Jan 30, 2020
Instrument	20200063272

Lender

Name	MLD MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

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		$284,154 (+2.7%)	$366,480 (-1.34%) Land $85,000 Building $281,480
2025	$4,589.00 (+7.04%) Homeowner's exemption	$276,684 (+5.99%)	$371,460 (+10.1%) Land $85,000 Building $286,460
2024	$4,287.00 (+3.45%)
2023	$4,144.00 (+3.24%) Homeowner's exemption	$261,054 (+3%)	$337,399 (+13.55%) Land $85,000 Building $252,399
2022	$4,014.00 Homeowner's exemption	$253,450	$297,138 Land $85,000 Building $212,138

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
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

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 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond 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	OCOEE, CITY OF (2 WPS) serves 34,000 people · EPA ID FL3480204
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	Under 1 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	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 405 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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