Orange County property record for 1440 Scarlet Oak Loop, Winter Garden, FL 34787
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 2.5 ba · 1,509 sqft · built 2013 |
| Lot Size | 0.8 acres (3,501 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $355,000 (Aug 2023) |
| Tax Bill | $5,028 (2025) |
| Deeds & Mortgages | Aug 2023 Mortgage Aug 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-22-27-8895-00-840 |
| Primary APN | 28-22-27-8895-00-840 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,509 sqft Living Area |
| Gross Area | 2,146 sqft |
| 1st Floor Area | 776 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Architectural Style | Duplex Single |
| Exterior Material | Concrete Block |
| 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 | Finished/Open Porch |
| Porch Area | 56 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 1440 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 84 |
| Legal Range | 27E |
| Legal Township | 22S |
| Legal Section | 28 |
| Legal Subdivision | VILLAS AT TUCKER OAKS |
| Legal Tract | 8895 |
| Legal Lot Number | 84 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | WINTER GARDEN-OCOEE |
| Census Block Group | 1 |
| Census Block | 1044 |
| Census Tract | 17200 |
1440 Scarlet Oak Loop, a duplex, is held in a trust since August 2023.
Source: Orange County records, as of April 30, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 749 ORANGE BELT LOOP, WINTER GARDEN, FL 34787-3189 |
| Owner Type | Company |
| Vesting | Trust, Family Revocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 9, 2023 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC |
| Aug 12, 2019 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN LIBERTY MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 9, 2023 · Amount on File |
| Deed Sale | Aug 9, 2023 · Amount on File |
| Prior Sale | Aug 12, 2019 · Amount on File |
| Deed Document Number | 2023449328 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 1440 SCARLET OAK LOOP, WINTER GARDEN, FL 34787-6156 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2023 |
| Name | Verified Name |
|---|---|
| Address | 749 ORANGE BELT LOOP, WINTER GARDEN, FL 34787-3189 |
| Document Number | 0000449330 |
|---|---|
| Date | Aug 9, 2023 |
| Instrument | 20230449330 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Aug 12, 2019 |
| Property Address | 1440 SCARLET OAK LOOP, WINTER GARDEN, FL 34787-6156 |
| Document Number | 0000497185 |
| Map Reference | MB 77 PG 81 |
| Instrument Date | Jun 14, 2019 |
| Instrument | 20190497185 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2022 |
| Title Company | YOUR TITLE CONNECTION LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,652.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5910 BALBOA DR, 5910, ORLANDO, FL 32808-6906 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1440 SCARLET OAK LOOP, WINTER GARDEN, FL 34787-6156 |
| Document Number | 0000497186 |
|---|---|
| Date | Aug 12, 2019 |
| Instrument | 20190497186 |
| Name | AMERICAN LIBERTY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jul 1, 2049 |
The 2025 property tax bill for 1440 Scarlet Oak Loop was $5,028, up 6.1% from the year before.
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 | $304,980 (-1.18%) Land $65,000 Building $239,980 | $304,980 (-1.18%) Land $65,000 Building $239,980 | |
| 2025 | $5,028.00 (+6.08%) | $308,610 Land $65,000 Building $243,610 | $308,610 Land $65,000 Building $243,610 |
| 2024 | $4,740.00 (+68.86%) | ||
| 2023 | $2,807.00 (+3.27%) Homeowner's exemption | $216,402 (+3%) | $261,591 (+13.56%) Land $65,000 Building $196,591 |
| 2022 | $2,718.00 Homeowner's exemption | $210,099 | $230,354 Land $65,000 Building $165,354 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1440 Scarlet Oak Loop in Zone X, an area of minimal flood risk, within 100 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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 1440 Scarlet Oak Loop is moderate, ranking above 66% of the US, with a 0.2% annual chance of wildfire.
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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