1345 Clay St, Winter Park, FL 32789 Property Records

Orange County property record for 1345 Clay St, Winter Park, FL 32789

Property Summary

Property Type	Store with Apartments
Details	4 bd · 2,571 sqft · built 1925
Lot Size	0.302 acres (13,169 sqft)
Owner	Company Name on File
Last Sale	$575,000 (Aug 2019)
Tax Bill	$11,384 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Mar 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`12-22-29-7096-01-030`

Property Details

APN / Parcel Number

Primary APN	`12-22-29-7096-01-030`
Alternative APNs	`292212709601030` `345808` `351068` `355437`

Interior

Bedrooms	4 Beds
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	2,571 sqft Gross Area
1st Floor Area	1,221 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1995
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Flat
Roof Material	Composition Shingle
Lot Area	13,169 sqft (0.302 acres)
Lot Width	100 ft Width
Garage Area	3 sqft
Parking Spaces	3 Parking Spaces
Porch	Florida Room
Porch Area	552 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1345 CLAY ST
City	WINTER PARK
State	FL
Zip	32789-5404
Property Category	Commercial
Property Type	Commercial > Retail > Store with Apartments
Local Zoning Code	O-2
Legal Description	THE PINES H/14 LOTS 3 & 4 BLK A
Legal Subdivision	PINES
Legal Tract	7096
Legal Block	A
Legal Lot Number	3,4
Jurisdiction	ORANGE FL
Township / Civil Division	ORLANDO
Census Block Group	1
Census Block	1063
Census Tract	19000

Owner

1345 Clay St, a commercial property, is owned by a company that bought it in August 2019.

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

Owner of Record	Company Name on File
Mailing Address	1345 CLAY ST, WINTER PARK, FL 32789-5404
Owner Type	Company

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
Mar 25, 2024	Deed of Trust, Mortgage · Commercial Mortgage CENTRAL BANK
Mar 25, 2024	Deed of Trust, Mortgage · Commercial Mortgage CENTRAL BANK
Aug 9, 2019	Warranty Deed, Transfer BANKUNITED FSB
Aug 9, 2019	Correction Deed ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 9, 2019 · Amount on File
Deed Sale	Aug 9, 2019 · Amount on File
Prior Sale	Jul 20, 2005 · Amount on File
Deed Document Number	2019495217
Prior Transfer Date	Aug 8, 2019
Prior Transfer Doc	0000495215
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1345 CLAY ST, WINTER PARK, FL 32789-5404
Transaction Type	Mortgage
Record Updated	Apr 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1345 CLAY ST, WINTER PARK, FL 32789-5404

Mortgage

Document Number	0000171853
Date	Mar 25, 2024
Instrument	20240171853

Lender

Name	CENTRAL BANK
Type	Bank
Address	TAMPA, FL 33647

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1345 CLAY ST, WINTER PARK, FL 32789-5404
Transaction Type	Mortgage
Record Updated	Apr 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1345 CLAY ST, WINTER PARK, FL 32789-5404

Mortgage

Document Number	0000171851
Date	Mar 25, 2024
Instrument	20240171851

Lender

Name	CENTRAL BANK
Type	Bank
Address	TAMPA, FL 33647

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Aug 9, 2019
Property Address	1345 CLAY ST, WINTER PARK, FL 32789-5404
Document Number	0000495217
Instrument Date	Aug 5, 2019
Instrument	495217
Transaction Type	Transfer
Record Updated	Aug 26, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$4,025.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1300 MINNESOTA AVE #201 WINTER PARK FL 327894800, 201, WINTER PARK, FL 32789-4800

Mortgage

Document Number	495219
Date	Aug 9, 2019
Instrument	495219

Lender

Name	BANKUNITED FSB
Type	Federal Savings Bank
Address	7815 NW 148TH ST, MIAMI LAKES, FL 33016-1554

Agreement

Amount	Amount on Record
Term	300 Months
Due	Aug 8, 2044

Interest

Rate Type	Adjustable Rate

August 2019: Correction Deed

Document Type	Correction Deed
Jurisdiction	ORANGE FL
Recording Date	Aug 9, 2019
Property Address	1345 CLAY ST, WINTER PARK, FL 32789-5404
Document Number	0000495216
Instrument Date	Aug 2, 2019
Instrument	495216
Record Updated	Aug 26, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.70

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1345 CLAY ST WINTER PARK FL 327895404, WINTER PARK, FL 32789-5404

Tax Assessment & Valuation

The 2025 property tax bill for 1345 Clay St was $11,384, up 10.7% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$712,876 (+0.74%) Land $345,686 Building $367,190	$712,876 (-0.89%) Land $345,686 Building $367,190
2025	$11,384.00 (+10.69%)	$707,617	$719,296 Land $345,686 Building $373,610
2024	$10,285.00 (+4.74%)
2023	$9,820.00 (+11.68%)	$625,769 (+6.59%) Land $329,225 Building $296,544	$625,769 (+6.59%) Land $329,225 Building $296,544
2022	$8,793.00	$587,065 Land $310,262 Building $276,803	$587,065 Land $310,262 Building $276,803

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1345 Clay St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2022.

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 12 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	2 (2022)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Oct 2022 · 2 claims

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 1345 Clay St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 0.01% 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	WINTER PARK, CITY OF (3 WPS) serves 82,984 people · EPA ID FL3481482
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 396 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless · DSL	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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