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  5. Siplin Rd

14909 Siplin Rd, Winter Garden, FL 34787 Property Records

Orange County property record for 14909 Siplin Rd, Winter Garden, FL 34787

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 962 sqft · built 1991
Lot Size0.302 acres (13,160 sqft)
Owner2 Individual Names on Record
Tax Bill$1,048 (2025)
Deeds & MortgagesSep 2018 Mortgage
Flood ZoneZone X (minimal risk)
APN27-22-27-0002-00-070

Property Details

APN / Parcel Number

Primary APN27-22-27-0002-00-070
Alternative APNs
  • 123614
  • 124394
  • 125777

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area962 sqft Living Area
Gross Area1,306 sqft
1st Floor Area962 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1991
Effective Year BuiltEffective 1991
Exterior MaterialConcrete
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area13,160 sqft (0.302 acres)
Garage TypeAttached
Garage Area288 sqft
Parking Spaces1 Parking Space
PorchSlab
Porch Area56 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address14909 SIPLIN RD
CityWINTER GARDEN
StateFL
Zip34787-5109
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-2
Legal DescriptionA & Q SUB 21/114 LOT 7
Legal Range27E
Legal Township22S
Legal Section27
Legal SubdivisionA & Q SUB
Legal Tract2
Legal Lot Number7
JurisdictionORANGE FL
Township / Civil DivisionSOUTHWEST ORANGE
Census Block Group3
Census Block3023
Census Tract17116

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 Record2 Individual Names on Record
Mailing Address14909 SIPLIN RD, WINTER GARDEN, FL 34787-5109
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last Transfer DateJun 4, 2007
Transfer Doc0000307261
Record UpdatedJun 8, 2026

September 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionORANGE FL
Property Address14909 SIPLIN RD, WINTER GARDEN, FL 34787-5109
Document Number0000633152
Instrument DateSep 24, 2018
Transaction TypeMortgage
Record UpdatedDec 24, 2018
Title CompanyCORELOGIC-SOLUTIONS EXPRESS

Transferred To (Grantee/Buyer)

NameVerified Name
Address14909 SIPLIN RD WINTER GARDEN FL 347875109, WINTER GARDEN, FL 34787-5109

Mortgage

Document Number0000633152
DateOct 29, 2018
Instrument633152
Lender
NameHUD-HOUSING/URBAN DEV
Address451 7TH ST SW, WASHINGTON, DC 20410-0001
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term300 Months
DueOct 28, 2043

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOrange County
Unified School DistrictOrange County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$66,808 (+2.7%)$212,961 (-1.23%) Land $66,721 Building $146,240
2025$1,048.00 (+11.85%) Homeowner's exemption$65,052 (+5.99%)$215,621 (+26.56%) Land $66,721 Building $148,900
2024$937.00 (+4.34%)
2023$898.00 (+6.02%) Homeowner's exemption$61,378 (+3%)$170,374 (+12.4%) Land $51,326 Building $119,048
2022$847.00 Homeowner's exemption$59,590$151,574 Land $51,326 Building $100,248

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 16 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies16 in force
Nearby Flood Claims2 (2017–2024)
Most Recent ClaimOct 2024 · Hurricane Milton

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 RiskModerate
above 46% of the US · lower than 83% of Florida
Wildfire Likelihood0.1% annual chance
ExposureDirect
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 SystemWINTER GARDEN WATER DEPT (3 WPS)
serves 72,205 people · EPA ID FL3481481
Water SourceGroundwater
Last State InspectionFeb 2024
Lead3 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 324 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000

May also be available: AT&T, CenturyLink, T-Mobile, Verizon.

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