14908 Porter Rd, Winter Garden, FL 34787 Property Records

Orange County property record for 14908 Porter Rd, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,383 sqft · built 2017
Lot Size	0.13 acres (5,670 sqft)
Owner	2 Individual Names on File
Last Sale	$382,500 (Jun 2020)
Tax Bill	$5,913 (2025)
Deeds & Mortgages	May 2026 Mortgage Sep 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`28-23-27-8316-22-150`

Property Details

APN / Parcel Number

Primary APN	`28-23-27-8316-22-150`
Alternative APNs	`272328831622150` `151275` `152440` `154563`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,383 sqft Living Area
Gross Area	3,253 sqft
1st Floor Area	1,074 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,670 sqft (0.13 acres)
Garage Type	Attached
Garage Area	454 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	129 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	14908 PORTER RD
City	WINTER GARDEN
State	FL
Zip	34787-8876
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	SUMMERLAKE PD PHASE 2A AND 2B 78/72 LOT 15 BLK V
Legal Range	27E
Legal Township	23S
Legal Section	28
Legal Subdivision	SUMMERLAKE PD PH 2A AND 2B
Legal Phase	2A
Legal Tract	8316
Legal Block	V
Legal Lot Number	15
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1276
Census Tract	17111

Owner

14908 Porter Rd is owned and occupied by two individuals who bought it in June 2020.

Source: Orange County records, as of June 8, 2026

Owner of Record	2 Individual Names on File
Mailing Address	14908 PORTER RD, WINTER GARDEN, FL 34787-8876
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
May 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 8, 2020	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS
Jan 3, 2018	Special Warranty Deed, Subdivision Related Transfer · ARM BAC FLORIDA BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 8, 2020 · Amount on File
Deed Sale	Jun 8, 2020 · Amount on File
Prior Sale	Jan 3, 2018 · Amount on File
Deed Document Number	2020317585
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Recording Date	May 28, 2026
Property Address	14908 PORTER RD, WINTER GARDEN, FL 34787-8876
Document Number	0000297965
Instrument Date	May 19, 2026
Instrument	2026297965
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SIMPLIFILE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14908 PORTER RD, WINTER GARDEN, FL 34787-8876

Mortgage

Document Number	0000297965,
Date	May 28, 2026
Instrument	2026297965

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jun 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	14908 PORTER RD, WINTER GARDEN, FL 34787-8876
Transaction Type	Mortgage
Record Updated	Oct 7, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210571228
Date	Sep 21, 2021
Instrument	20210571228

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2041

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jun 8, 2020
Property Address	14908 PORTER RD, WINTER GARDEN, FL 34787-8876
Document Number	0000317585
Instrument Date	May 27, 2020
Instrument	317585
Transaction Type	Transfer
Record Updated	Jun 24, 2020
Title Company	EXPRESS TITLE, EXPRESS TITLE & CLOSING SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,678.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	14908 PORTER RD WINTER GARDEN FL 347878876, WINTER GARDEN, FL 34787-8876

Mortgage

Document Number	317586
Date	Jun 8, 2020
Instrument	317586

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 7, 2050

January 2018: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jan 3, 2018
Property Address	14908 PORTER RD, WINTER GARDEN, FL 34787-8876
Document Number	0000003933
Map Reference	MB 78 PG 72
Instrument Date	Dec 29, 2017
Instrument	20180003933
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 3, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,345.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	151 SOUTHHALL LN STE 200, 151, MAITLAND, FL 32751-7172

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14908 PORTER RD, WINTER GARDEN, FL 34787-8876

Mortgage

Document Number	0000003934
Date	Jan 3, 2018
Instrument	20180003934

Lender

Name	BAC FLORIDA BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Jan 1, 2023
Change Frequency	Annually
Min Rate At Change	5.25%
Max Rate At Change	7.25%
Index	1-Year CMT
Max Rate	1.12%

Tax Assessment & Valuation

The 2025 property tax bill for 14908 Porter Rd was $5,913, up 5% from the year before.

Source: Orange County assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Orange County
Unified School District	Orange County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$377,975 (+2.7%)	$519,310 (-1.08%) Land $135,000 Building $384,310
2025	$5,913.00 (+4.97%) Homeowner's exemption	$368,038	$525,000 Land $135,000 Building $390,000
2024	$5,633.00 (+7.46%)
2023	$5,242.00 (+3.8%) Homeowner's exemption	$347,249 (+3%)	$510,878 (+23.68%) Land $135,000 Building $375,878
2022	$5,050.00 Homeowner's exemption	$337,135	$413,056 Land $125,000 Building $288,056

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

Flood

FEMA maps place 14908 Porter Rd 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 269 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	269 in force
Nearby Flood Claims	4 (2014–2024)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 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

Wildfire risk around 14908 Porter Rd is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.01% 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	OCUD/SOUTHERN WATER SYS (5 WPS) serves 80,738 people · EPA ID FL3484119
Water Source	Groundwater
Last State Inspection	May 2024
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 388 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink.

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