13978 Jomatt Loop, Winter Garden, FL 34787 Property Records

Orange County property record for 13978 Jomatt Loop, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,865 sqft · built 2018
Lot Size	0.2 acres (8,717 sqft)
Owner	2 Individual Names on File
Last Sale	$451,200 (Dec 2018)
Tax Bill	$10,094 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27-22-27-1961-00-880`

Property Details

APN / Parcel Number

Primary APN	`27-22-27-1961-00-880`
Alternative APNs	`123691` `124472` `125855`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,865 sqft Living Area
Gross Area	5,572 sqft
1st Floor Area	2,505 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	8,717 sqft (0.2 acres)
Garage Type	Attached
Garage Area	420 sqft
Porch	Finished/Open Porch
Porch Area	392 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	13978 JOMATT LOOP
City	WINTER GARDEN
State	FL
Zip	34787-0114
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	CYPRESS RESERVE PHASE 2 94/135 LOT 88
Legal Range	27E
Legal Township	22S
Legal Section	27
Legal Subdivision	CYP RESERVE PH 2
Legal Phase	2
Legal Lot Number	88
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	3
Census Block	3015
Census Tract	17116

Owner

13978 Jomatt Loop is owned and occupied by two individuals who bought it in December 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	13978 JOMATT LOOP, WINTER GARDEN, FL 34787-0114
Occupancy	Owner Occupied
Owner Type	Individual

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
Jun 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage SEACOAST NATIONAL BANK
Dec 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Dec 18, 2018	Grant Deed, Transfer · Conventional Mortgage TAYLOR MORRISON HOME FUNDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2018 · Amount on File
Deed Sale	Dec 18, 2018 · Amount on File
Deed Document Number	2018728679
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	13978 JOMATT LOOP, WINTER GARDEN, FL 34787-0114
Transaction Type	Mortgage
Record Updated	Jul 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13978 JOMATT LOOP, WINTER GARDEN, FL 34787-0114

Mortgage

Document Number	20210377316
Date	Jun 24, 2021
Instrument	20210377316

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank
Address	STUART, FL 34994

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	13978 JOMATT LOOP, WINTER GARDEN, FL 34787-0114
Document Number	0000032038
Instrument Date	Dec 11, 2020
Transaction Type	Mortgage
Record Updated	Feb 4, 2021
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	13978 JOMATT LOOP WINTER GARDEN FL 347870114, WINTER GARDEN, FL 34787-0114

Mortgage

Document Number	0000032038
Date	Jan 19, 2021
Instrument	32038

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 18, 2051

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE FL
Recording Date	Dec 18, 2018
Property Address	13978 JOMATT LOOP, WINTER GARDEN, FL 34787-0114
Document Number	0000728679
Instrument Date	Dec 14, 2018
Instrument	728679
Transaction Type	Transfer
Record Updated	Mar 14, 2020
Title Company	INSPIRED TITLE SERVICES LLC, INSPIRED TITLE SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,158.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	13978 JOMATT LOOP WINTER GARDEN FL 347870114, WINTER GARDEN, FL 34787-0114

Mortgage

Document Number	728680
Date	Dec 18, 2018
Instrument	728680

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 17, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 13978 Jomatt Loop was $10,094 with exemptions applied, up 6.1% 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 Garden City
Unified School District	Orange County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$683,034 (+2.7%)	$739,850 (-1.33%) Land $115,000 Building $624,850
2025	$10,094.00 (+6.06%) Homeowner's exemption Disabled Person's exemption	$665,077	$749,850 Land $115,000 Building $634,850
2024	$9,517.00 (+3.52%)
2023	$9,193.00 (+2.03%) Homeowner's exemption Disabled Person's exemption	$622,790 (+3%)	$695,307 (+14.99%) Land $100,000 Building $595,307
2022	$9,010.00 Homeowner's exemption Disabled Person's exemption	$604,650 Land $100,000 Building $504,650	$604,650 Land $100,000 Building $504,650

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

Flood

FEMA maps place 13978 Jomatt Loop in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 13978 Jomatt Loop is low, with a 0.06% annual chance of 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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