1434 E Spring Ridge Cir, Winter Garden, FL 34787 Property Records

Orange County property record for 1434 E Spring Ridge Cir, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,250 sqft · built 1997
Lot Size	0.228 acres (9,951 sqft)
Owner	2 Individual Names on Record
Last Sale	$272,000 (Mar 2008)
Tax Bill	$3,033 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Apr 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-22-27-1845-00-980`

Property Details

APN / Parcel Number

Primary APN	`12-22-27-1845-00-980`
Alternative APNs	`272212184500980` `110838` `111487` `112770`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,250 sqft Living Area
Gross Area	3,062 sqft
1st Floor Area	2,250 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,951 sqft (0.228 acres)
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	240 sqft
Shed	1 Shed
Water Feature	Water Feature
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1434 E SPRING RIDGE CIR
City	WINTER GARDEN
State	FL
Zip	34787-2163
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	CROWN POINT SPRINGS UNIT 2 23/99 LOT 98
Legal Range	27E
Legal Township	22S
Legal Section	12
Legal Subdivision	CROWN POINT SPRINGS UT 2
Legal Tract	1845
Legal Lot Number	98
Legal Unit	2
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	3
Census Block	3012
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	1434 E SPRING RIDGE CIR, WINTER GARDEN, FL 34787-2163
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HOME LOANS INC
Apr 3, 2019	Deed of Trust, Mortgage · FHA Mortgage DITECH FIN'L
Nov 8, 2017	Deed of Trust, Mortgage · Line of Credit SEACOAST NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2008 · Amount on Record
Deed Sale	Mar 24, 2008 · Amount on Record
Prior Sale	Feb 10, 2003 · Amount on Record
Deed Document Number	2008172989
Deed Book / Page	9637 / 1054
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1434 E SPRING RIDGE CIR, WINTER GARDEN, FL 34787-2163
Transaction Type	Mortgage
Record Updated	Apr 27, 2022
Title Company	EQUITY NATIONAL TITLE LLC, EQUITY NATL TTL & CLOSING SV

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1434 E SPRING RIDGE CIR, WINTER GARDEN, FL 34787-2163

Mortgage

Document Number	0000233117
Date	Apr 11, 2022
Instrument	20220233117

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 1, 2042

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1434 E SPRING RIDGE CIR, WINTER GARDEN, FL 34787-2163
Document Number	0000236152
Instrument Date	Apr 3, 2019
Transaction Type	Mortgage
Record Updated	May 2, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1434 E SPRING RIDGE CIR WINTER GARDEN FL 347872163, WINTER GARDEN, FL 34787-2163

Mortgage

Document Number	0000236152
Date	Apr 17, 2019
Instrument	236152

Lender

Name	DITECH FIN'L
Address	FORT WASHINGTON, PA 19034

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 16, 2039

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1434 E SPRING RIDGE CIR, WINTER GARDEN, FL 34787-2163
Document Number	0000628801
Instrument Date	Nov 8, 2017
Transaction Type	Mortgage
Record Updated	Dec 6, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1434 E SPRING RIDGE CIR WINTER GARDEN FL 347872163, WINTER GARDEN, FL 34787-2163

Mortgage

Document Number	0000628801
Date	Nov 16, 2017
Instrument	628801

Lender

Name	SEACOAST NAT'L BK
Type	Bank
Address	STUART, FL 34995

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Nov 15, 2032

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		$232,825 (+2.7%)	$502,100 (-1.53%) Land $100,000 Building $402,100
2025	$3,033.00 (+5.39%) Homeowner's exemption	$226,704 (+5.99%)	$509,910 (+21.03%) Land $100,000 Building $409,910
2024	$2,878.00 (+3.97%)
2023	$2,768.00 (+3.32%) Homeowner's exemption	$213,898 (+3%)	$421,318 (+12.42%) Land $110,000 Building $311,318
2022	$2,679.00 Homeowner's exemption	$207,668	$374,776 Land $110,000 Building $264,776

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
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 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within 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 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.

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