Orange County property record for 1432 Scarlet Oak Loop, Winter Garden, FL 34787
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 2 ba · 1,576 sqft · built 2013 |
| Lot Size | 0.8 acres (3,501 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $179,575 (Dec 2013) |
| Tax Bill | $2,967 (2025) |
| Deeds & Mortgages | Oct 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-22-27-8895-00-860 |
| Primary APN | 28-22-27-8895-00-860 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,576 sqft Living Area |
| Gross Area | 2,296 sqft |
| 1st Floor Area | 848 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Architectural Style | Duplex Single |
| Exterior Material | Concrete Block/Stucco |
| 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 | Slab |
| Porch Area | 72 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 1432 SCARLET OAK LOOP |
|---|---|
| City | WINTER GARDEN |
| State | FL |
| Zip | 34787-6156 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | PUD |
| Legal Description | VILLAS AT TUCKER OAKS 77/81 LOT 86 |
| Legal Range | 27E |
| Legal Township | 22S |
| Legal Section | 28 |
| Legal Subdivision | VILLAS AT TUCKER OAKS |
| Legal Tract | 8895 |
| Legal Lot Number | 86 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | WINTER GARDEN-OCOEE |
| Census Block Group | 1 |
| Census Block | 1044 |
| Census Tract | 17200 |
Source: Orange County records, as of October 21, 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 | 1432 SCARLET OAK LOOP, WINTER GARDEN, FL 34787-6156 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 5, 2013 · Amount on Record |
| Deed Sale | Dec 5, 2013 · Amount on Record |
| Deed Document Number | 2013637102 |
| Deed Book / Page | 10672 / 7249 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Oct 12, 2026 |
| Property Address | 1432 SCARLET OAK LOOP, WINTER GARDEN, FL 34787-6156 |
| Document Number | 0000565870 |
| Instrument Date | Sep 28, 2026 |
| Instrument | 2026565870 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 1432 SCARLET OAK LOOP, WINTER GARDEN, FL 34787-6156 |
| Document Number | 0000565870, |
|---|---|
| Date | Oct 12, 2026 |
| Instrument | 2026565870 |
| Name | REGIONS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Nov 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
Source: Orange County assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Municipality | Winter Garden City |
| Unified School District | Orange County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $228,645 (+2.7%) | $308,380 (-1.18%) Land $65,000 Building $243,380 | |
| 2025 | $2,967.00 (+5.4%) Homeowner's exemption | $222,634 (+5.99%) | $312,050 (+18.01%) Land $65,000 Building $247,050 |
| 2024 | $2,815.00 (+3.99%) | ||
| 2023 | $2,707.00 (+3.36%) Homeowner's exemption | $210,058 (+3%) | $264,419 (+13.61%) Land $65,000 Building $199,419 |
| 2022 | $2,619.00 Homeowner's exemption | $203,940 | $232,739 Land $65,000 Building $167,739 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 66% of the US · above 44% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 33 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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