13977 Jomatt Loop, Winter Garden, FL 34787 Property Records

Orange County property record for 13977 Jomatt Loop, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,710 sqft · built 2018
Lot Size	0.223 acres (9,730 sqft)
Owner	2 Individual Names on Record
Last Sale	$452,196 (Sep 2018)
Tax Bill	$10,957 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27-22-27-1961-01-540`

Property Details

APN / Parcel Number

Primary APN	`27-22-27-1961-01-540`
Alternative APNs	`123771` `124551` `125936`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,710 sqft Living Area
Gross Area	5,121 sqft
1st Floor Area	2,306 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,730 sqft (0.223 acres)
Garage Type	Attached
Garage Area	680 sqft
Porch	Slab
Porch Area	296 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	13977 JOMATT LOOP
City	WINTER GARDEN
State	FL
Zip	34787-0068
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	CYPRESS RESERVE PHASE 2 94/135 LOT 154
Legal Range	27E
Legal Township	22S
Legal Section	27
Legal Subdivision	CYP RESERVE PH 2
Legal Phase	2
Legal Block	1
Legal Lot Number	154
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 May 4, 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	13977 JOMATT LOOP, WINTER GARDEN, FL 34787-0068
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2020	Deed of Trust, Mortgage · Conventional with PMI CITIZENS BK NA
Aug 30, 2019	Deed of Trust, Mortgage · Conventional with PMI FLAGSTAR BK
Sep 7, 2018	Grant Deed, Transfer · Conventional with PMI TAYLOR MORRISON HOME FUNDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 7, 2018 · Amount on Record
Deed Sale	Sep 7, 2018 · Amount on Record
Deed Document Number	2018532670
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	13977 JOMATT LOOP, WINTER GARDEN, FL 34787-0068
Document Number	0000233893
Instrument Date	Apr 7, 2020
Transaction Type	Mortgage
Record Updated	May 7, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	13977 JOMATT LOOP WINTER GARDEN FL 347870068, WINTER GARDEN, FL 34787-0068

Mortgage

Document Number	0000233893
Date	Apr 15, 2020
Instrument	233893

Lender

Name	CITIZENS BK NA
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 14, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	13977 JOMATT LOOP, WINTER GARDEN, FL 34787-0068
Document Number	0000551290
Instrument Date	Aug 30, 2019
Transaction Type	Mortgage
Record Updated	Sep 20, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	13977 JOMATT LOOP WINTER GARDEN FL 347870068, WINTER GARDEN, FL 34787-0068

Mortgage

Document Number	0000551290
Date	Sep 6, 2019
Instrument	551290

Lender

Name	FLAGSTAR BK
Type	Bank
Address	TROY, MI 48098-2639

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 5, 2049

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE FL
Recording Date	Sep 7, 2018
Property Address	13977 JOMATT LOOP, WINTER GARDEN, FL 34787-0068
Document Number	0000532670
Instrument Date	Aug 31, 2018
Instrument	532670
Transaction Type	Transfer
Record Updated	Mar 2, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,165.37
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	13977 JOMATT LOOP WINTER GARDEN FL 34787, WINTER GARDEN, FL 34787

Mortgage

Document Number	532671
Date	Sep 7, 2018
Instrument	532671

Lender

Name	TAYLOR MORRISON HOME FUNDING
Type	Funding / Finance Company
Address	MAITLAND, FL 32751

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 6, 2048

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		$704,650 (-1.18%) Land $125,000 Building $579,650	$704,650 (-1.18%) Land $125,000 Building $579,650
2025	$10,957.00 (+5.9%)	$713,040 (+5.61%) Land $125,000 Building $588,040	$713,040 (+5.61%) Land $125,000 Building $588,040
2024	$10,347.00 (+10.24%)
2023	$9,386.00 (+11.99%)	$675,152 (+15.4%) Land $110,000 Building $565,152	$675,152 (+15.4%) Land $110,000 Building $565,152
2022	$8,381.00	$585,068 Land $110,000 Building $475,068	$585,068 Land $110,000 Building $475,068

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
Nearest Special Flood Hazard Area	Zone AE, within 500 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	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.06% 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 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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