1207 Saddleback Dr, Winter Garden, FL 34787 Property Records

Orange County property record for 1207 Saddleback Dr, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,342 sqft · built 2022
Lot Size	0.135 acres (5,860 sqft)
Owner	2 Trust Names on File
Last Sale	$809,700 (Nov 2022)
Tax Bill	$10,873 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Jun 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`21-22-27-6102-00-920`

Property Details

APN / Parcel Number

Primary APN	`21-22-27-6102-00-920`
Alternative APNs	`272221610200920` `117359` `118025` `119369`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,342 sqft Living Area
Gross Area	3,804 sqft
1st Floor Area	1,636 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,860 sqft (0.135 acres)
Garage Type	Detached
Garage Area	726 sqft
Porch	Finished/Open Porch
Porch Area	515 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1207 SADDLEBACK DR
City	WINTER GARDEN
State	FL
Zip	34787-3461
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	OAKLAND PARK UNIT 6B-1 104/67 LOT 92
Legal Range	27E
Legal Township	22S
Legal Section	21
Legal Subdivision	OAKLAND PARK UNIT 6B-1
Legal Lot Number	92
Legal Unit	6B-1
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	1
Census Block	1019
Census Tract	17200

Owner

1207 Saddleback Dr is owner-occupied and held in a trust since October 2024.

Source: Orange County records, as of April 30, 2026

Owner of Record	2 Trust Names on File
Mailing Address	1207 SADDLEBACK DR, WINTER GARDEN, FL 34787-3461
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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

Date	Document
Nov 16, 2022	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage BANK OF AMERICA NA
Jun 14, 2021	Special Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2022 · Amount on File
Deed Sale	Nov 16, 2022 · Amount on File
Prior Sale	Jun 14, 2021 · Amount on File
Deed Document Number	2022695300
Last Transfer Date	Oct 21, 2024
Transfer Doc	0000607430
Record Updated	Jun 8, 2026

November 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Nov 16, 2022
Property Address	1207 SADDLEBACK DR, OAKLAND, FL 34787-3461
Document Number	0000695300
Map Reference	MB 104 PG 67-74
Instrument Date	Nov 9, 2022
Instrument	20220695300
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 1, 2024
Title Company	TOWN SQUARE TITLE LIMITED, TOWN SQUARE TITLE LTD

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,667.90
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	225 S WESTMONTE DR STE 2000, 2000, ALTAMONTE SPRINGS, FL 32714-4218

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1207 SADDLEBACK DR, WINTER GARDEN, FL 34787-3461

Mortgage

Document Number	0000695301
Date	Nov 16, 2022
Instrument	20220695301

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Dec 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	9.37%
Index	Other
Max Rate	9.37%

June 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jun 14, 2021
Property Address	1207 SADDLEBACK DR, OAKLAND, FL 34787-3461
Document Number	0000352392
Map Reference	MB 101 PG 73-78
Instrument Date	Jun 11, 2021
Instrument	20210352392
Transaction Type	Transfer
Record Updated	Feb 1, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$10,420.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14502 N DALE MABRY HWY STE 327, 327, TAMPA, FL 33618-2043

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1111 N POST OAK RD, HOUSTON, TX 77055-7310

Tax Assessment & Valuation

The 2025 property tax bill for 1207 Saddleback Dr was $10,873, up 8.4% from the year before.

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

Property Jurisdictions

Type	Name
State	Florida
County	Orange County
Municipality	Oakland Town
Unified School District	Orange County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$658,397 (+2.7%)	$816,550 (-1.03%) Land $230,000 Building $586,550
2025	$10,873.00 (+8.36%) Homeowner's exemption	$641,088	$825,020 Land $230,000 Building $595,020
2024	$10,034.00 (+5.79%)
2023	$9,485.00 (+244.41%) Homeowner's exemption	$576,569 (+271.98%)	$610,561 (+293.91%) Land $200,000 Building $410,561
2022	$2,754.00	$155,000 Land $155,000	$155,000 Land $155,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1207 Saddleback Dr in Zone X, an area of minimal flood risk.

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 40 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	40 in force

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 1207 Saddleback Dr is moderate, ranking above 47% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 47% of the US · lower than 82% of Florida
Wildfire Likelihood	0.1% 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	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

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

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: AT&T, Metronet.

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