1409 E Spring Ridge Cir, Winter Garden, FL 34787 Property Records

Orange County property record for 1409 E Spring Ridge Cir, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,990 sqft · built 1994
Lot Size	0.23 acres (10,030 sqft)
Owner	2 Individual Names on Record
Last Sale	$25,000 (Sep 2021)
Tax Bill	$8,640 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Jun 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`12-22-27-1845-02-350`

Property Details

APN / Parcel Number

Primary APN	`12-22-27-1845-02-350`
Alternative APNs	`272212184502350` `111005` `111656` `112938`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,990 sqft Living Area
Gross Area	2,921 sqft
1st Floor Area	1,135 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2015
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,030 sqft (0.23 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	613 sqft
Gazebo	Gazebo

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1409 E SPRING RIDGE CIR
City	WINTER GARDEN
State	FL
Zip	34787-2166
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	CROWN POINT SPRINGS UNIT 2 23/99 LOT 235
Legal Range	27E
Legal Township	22S
Legal Section	12
Legal Subdivision	CROWN POINT SPRINGS UT 2
Legal Tract	1845
Legal Block	2
Legal Lot Number	235
Legal Unit	2
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	3
Census Block	3006
Census Tract	17401

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	63 RANCHO SAN CARLOS RD, CARMEL, CA 93923-7716
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 2, 2020	Deed of Trust, Mortgage · Line of Credit FAIRWINDS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 7, 2021 · Amount on Record
Deed Sale	Sep 7, 2021 · Amount on Record
Prior Sale	Dec 18, 2015 · Amount on Record
Deed Document Number	2021545130
Record Updated	Jun 8, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Sep 7, 2021
Property Address	1409 E SPRING RIDGE CIR, WINTER GARDEN, FL 34787-2166
Document Number	20210545130
Map Reference	MB 23 PG 99&100
Instrument Date	Sep 2, 2021
Instrument	20210545130
Transaction Type	Transfer
Record Updated	Sep 24, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,675.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11 E COLUMBUS ST, 11, OCOEE, FL 34761-2735

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	63 RANCHO SAN CARLOS RD, CARMEL, CA 93923-7716

Mortgage

Document Number	20210545131
Date	Sep 7, 2021
Instrument	20210545131

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1409 E SPRING RIDGE CIR, WINTER GARDEN, FL 34787-2166
Document Number	0000322658
Instrument Date	Jun 2, 2020
Transaction Type	Mortgage
Record Updated	Jun 24, 2020
Title Company	MORTGAGE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1409 E SPRING RIDGE CIR OAKLAND FL 347872166, OAKLAND, FL 34787-2166

Mortgage

Document Number	0000322658
Date	Jun 10, 2020
Instrument	322658

Lender

Name	FAIRWINDS CU
Address	ORLANDO, FL 32826

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 9, 2050

Interest

Rate Type	Adjustable Rate

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		$528,180 (+0.28%) Land $100,000 Building $428,180	$528,180 (-1.41%) Land $100,000 Building $428,180
2025	$8,640.00 (+12.99%)	$526,728 (+17.74%)	$535,710 (+19.74%) Land $100,000 Building $435,710
2024	$7,647.00 (+9.2%)
2023	$7,003.00 (+10.82%)	$447,378 (+13.05%) Land $110,000 Building $337,378	$447,378 (+13.05%) Land $110,000 Building $337,378
2022	$6,319.00	$395,739 Land $110,000 Building $285,739	$395,739 Land $110,000 Building $285,739

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 24 policies
Nearby Flood Policies	24 in force
Nearby Flood Claims	2 (2017)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 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

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

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% 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 390 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: Metronet, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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