13857 Jomatt Loop, Winter Garden, FL 34787 Property Records

Orange County property record for 13857 Jomatt Loop, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,552 sqft · built 2017
Lot Size	0.239 acres (10,408 sqft)
Owner	2 Individual Names on Record
Last Sale	$780,000 (Sep 2025)
Tax Bill	$6,059 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Sep 2025 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`34-22-27-1960-00-390`

Property Details

APN / Parcel Number

Primary APN	`34-22-27-1960-00-390`
Alternative APNs	`272234196000390` `128860` `129643` `131026`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,552 sqft Living Area
Gross Area	3,966 sqft
1st Floor Area	1,532 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Concrete Block/Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,408 sqft (0.239 acres)
Garage Type	Attached
Garage Area	736 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	200 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	13857 JOMATT LOOP
City	WINTER GARDEN
State	FL
Zip	34787-0067
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	CYPRESS RESERVE PHASE 1 85/13 LOT 39
Legal Range	27E
Legal Township	22S
Legal Section	34
Legal Subdivision	CYPRESS RESERVE PH 1
Legal Phase	1
Legal Tract	1960
Legal Lot Number	39
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	3
Census Block	3000
Census Tract	17116

Owner

Source: Orange County records, as of October 13, 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	13857 JOMATT LOOP, WINTER GARDEN, FL 34787-0067
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Sep 18, 2025	Warranty Deed, Transfer · VA Mortgage SOFI BANK NA
Feb 23, 2023	Warranty Deed, Transfer · Conventional Mortgage TJC MORTGAGE INC
Mar 12, 2018	Deed of Trust, Mortgage · Line of Credit PARTNERS FCU
May 25, 2017	Special Warranty Deed, Transfer · Conventional Mortgage PREMIA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2025 · Amount on Record
Deed Sale	Sep 18, 2025 · Amount on Record
Prior Sale	Feb 23, 2023 · Amount on Record
Deed Document Number	2025543042
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	13857 JOMATT LOOP, WINTER GARDEN, FL 34787-0067
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13857 JOMATT LOOP, WINTER GARDEN, FL 34787-0067

Mortgage

Document Number	0000496806
Date	Aug 16, 2021
Instrument	20210496806

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	310 Months
Due	Jun 1, 2047

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Sep 18, 2025
Property Address	13857 JOMATT LOOP, WINTER GARDEN, FL 34787-0067
Document Number	0000543042
Map Reference	MB 85 PG 13-19
Instrument Date	Sep 12, 2025
Instrument	20250543042
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	THE CLOSING AGENT LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$5,460.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16353 BRIGHT LEAF RD, WINTER GARDEN, FL 34787-8587

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13857 JOMATT LOOP, WINTER GARDEN, FL 34787-0067

Mortgage

Document Number	0000543043
Date	Sep 18, 2025
Instrument	20250543043

Lender

Name	SOFI BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Feb 23, 2023
Property Address	13857 JOMATT LOOP, WINTER GARDEN, FL 34787-0067
Document Number	0000105016
Map Reference	MB 85 PG 13
Instrument Date	Feb 21, 2023
Instrument	20230105016
Transaction Type	Transfer
Record Updated	Mar 8, 2023
Title Company	SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,075.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	228 CORELLI DR, NOKOMIS, FL 34275-1207

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13857 JOMATT LOOP, WINTER GARDEN, FL 34787-0067

Mortgage

Document Number	0000105017
Date	Feb 23, 2023
Instrument	20230105017

Lender

Name	TJC MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	13857 JOMATT LOOP, WINTER GARDEN, FL 34787-0067
Document Number	0000165440
Instrument Date	Mar 12, 2018
Transaction Type	Mortgage
Record Updated	Apr 3, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	13857 JOMATT LOOP WINTER GARDEN FL 347870067, WINTER GARDEN, FL 34787-0067

Mortgage

Document Number	0000165440
Date	Mar 22, 2018
Instrument	165440

Lender

Name	PARTNERS FCU
Type	Credit Union
Address	ORLANDO, FL 32821

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Mar 21, 2038

Interest

Rate Type	Adjustable Rate

May 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	May 25, 2017
Property Address	13857 JOMATT LOOP, WINTER GARDEN, FL 34787-0067
Document Number	0000291532
Map Reference	MB 85 PG 13-19
Instrument	20170291532
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	FIRST AMERICAN TITLE INSURAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,492.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2600 LAKE LUCIEN DR STE 350, 2600, MAITLAND, FL 32751-7489

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13857 JOMATT LOOP, WINTER GARDEN, FL 34787-0067

Mortgage

Document Number	0000291533
Date	May 25, 2017
Instrument	20170291533

Lender

Name	PREMIA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

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		$606,740 (+47.11%) Land $125,000 Building $481,740	$606,740 (-1.31%) Land $125,000 Building $481,740
2025	$6,059.00 (+5.23%) Homeowner's exemption	$412,447 (+2.9%)	$614,770 (-1.86%) Land $125,000 Building $489,770
2024	$5,758.00 (-34.58%) Homeowner's exemption	$400,823 (-27.55%)	$626,406 (+13.23%) Land $125,000 Building $501,406
2023	$8,801.00 (+78.37%)	$553,205 (+58.55%) Land $110,000 Building $443,205	$553,205 (+13.59%) Land $110,000 Building $443,205
2022	$4,934.00 Homeowner's exemption	$348,905	$486,999 Land $110,000 Building $376,999

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 16 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	2 (2017–2024)
Most Recent Claim	Oct 2024 · Hurricane Milton

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 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.07% 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 261 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile.

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