1364 Scarlet Oak Loop, Winter Garden, FL 34787 Property Records

Orange County property record for 1364 Scarlet Oak Loop, Winter Garden, FL 34787

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 1,593 sqft · built 2013
Lot Size	0.8 acres (3,501 sqft)
Owner	2 Individual Names on Record
Last Sale	$360,000 (Aug 2022)
Tax Bill	$3,903 (2025)
Deeds & Mortgages	Aug 2022 Sale Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28-22-27-8895-00-980`

Property Details

APN / Parcel Number

Primary APN	`28-22-27-8895-00-980`
Alternative APNs	`272228889500980` `125721` `126505` `127888`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,593 sqft Living Area
Gross Area	2,232 sqft
1st Floor Area	848 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Duplex Single
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	3,501 sqft (0.8 acres)
Garage Type	Attached
Garage Area	452 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	56 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1364 SCARLET OAK LOOP
City	WINTER GARDEN
State	FL
Zip	34787-6154
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	PUD
Legal Description	VILLAS AT TUCKER OAKS 77/81 LOT 98
Legal Range	27E
Legal Township	22S
Legal Section	28
Legal Subdivision	VILLAS AT TUCKER OAKS
Legal Tract	8895
Legal Lot Number	98
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	1
Census Block	1044
Census Tract	17200

Owner

Source: Orange County records, as of April 30, 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	1364 SCARLET OAK LOOP, WINTER GARDEN, FL 34787-6154
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2022	Warranty Deed, Transfer BROKERS TITLE/CTRL FL, BROKERS TITLE OF CTRL FL LLC
Nov 15, 2019	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE FIRM
Jun 1, 2018	Warranty Deed, Transfer · Conventional Mortgage CITIZENS BK/FL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2022 · Amount on Record
Deed Sale	Aug 5, 2022 · Amount on Record
Prior Sale	Jun 1, 2018 · Amount on Record
Deed Document Number	2022480183
Record Updated	Jun 8, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Aug 5, 2022
Property Address	1364 SCARLET OAK LOOP, WINTER GARDEN, FL 34787-6154
Document Number	0000480183
Map Reference	MB 77 PG 81-85
Instrument Date	Aug 4, 2022
Instrument	20220480183
Transaction Type	Transfer
Record Updated	Sep 15, 2022
Title Company	BROKERS TITLE/CTRL FL, BROKERS TITLE OF CTRL FL LLC

Transaction

Amount	Amount Recorded
Tax	$2,520.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17516 RAINTREE CT, 17516, MONTVERDE, FL 34756-3280

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1364 SCARLET OAK LOOP, WINTER GARDEN, FL 34787-6154

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1364 SCARLET OAK LOOP, WINTER GARDEN, FL 34787-6154
Document Number	0000745690
Instrument Date	Nov 15, 2019
Transaction Type	Mortgage
Record Updated	Dec 13, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1364 SCARLET OAK LOOP WINTER GARDEN FL 347876154, WINTER GARDEN, FL 34787-6154

Mortgage

Document Number	0000745690
Date	Nov 26, 2019
Instrument	745690

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 25, 2049

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jun 1, 2018
Property Address	1364 SCARLET OAK LOOP, WINTER GARDEN, FL 34787-6154
Document Number	0000322902
Instrument Date	May 29, 2018
Instrument	322902
Transaction Type	Transfer
Record Updated	Jul 10, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,645.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1364 SCARLET OAK LOOP WINTER GARDEN FL 347876154, WINTER GARDEN, FL 34787-6154

Mortgage

Document Number	322903
Date	Jun 1, 2018
Instrument	322903

Lender

Name	CITIZENS BK/FL
Type	Bank
Address	OVIEDO, FL 32765

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	84 Months
Due	May 31, 2025

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$287,651 (+2.7%)	$308,660 (-1.19%) Land $65,000 Building $243,660
2025	$3,903.00 (+5.32%) Homeowner's exemption	$280,089 (+5.99%)	$312,370 (+18.2%) Land $65,000 Building $247,370
2024	$3,706.00 (+3.84%)
2023	$3,569.00 (+76.33%) Homeowner's exemption	$264,267 (+58.57%) Land $65,000 Building $199,267	$264,267 (+13.77%) Land $65,000 Building $199,267
2022	$2,024.00 Homeowner's exemption	$166,659	$232,292 Land $65,000 Building $167,292

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Moderate above 63% of the US · lower than 61% of Florida
Wildfire Likelihood	0.2% 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	WINTER GARDEN WATER DEPT (3 WPS) serves 72,205 people · EPA ID FL3481481
Water Source	Groundwater
Last State Inspection	Feb 2024
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	2 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 213 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, CenturyLink.

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