15041 Tea Tree Dr, Winter Garden, FL 34787 Property Records

Orange County property record for 15041 Tea Tree Dr, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,062 sqft · built 2021
Lot Size	0.21 acres (9,160 sqft)
Owner	2 Individual Names on File
Last Sale	$3,372 (Jan 2021)
Tax Bill	$8,524 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-23-27-2711-02-190`

Property Details

APN / Parcel Number

Primary APN	`20-23-27-2711-02-190`
Alternative APNs	`272320271102190` `142148` `143317` `145144`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,062 sqft Living Area
Gross Area	4,730 sqft
1st Floor Area	1,644 sqft
Flooring	Carpet

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,160 sqft (0.21 acres)
Garage Type	Attached
Garage Area	440 sqft
Porch	Slab
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	15041 TEA TREE DR
City	WINTER GARDEN
State	FL
Zip	34787-9547
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	HAMILTON GARDENS PHASE 2A AND 2B 102/15 LOT 219
Legal Range	27E
Legal Township	23S
Legal Section	20
Legal Subdivision	HAMILTON GARDENS PHASE 2A AND 2B
Legal Phase	2A
Legal Block	2
Legal Lot Number	219
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1052
Census Tract	17113

Owner

15041 Tea Tree Dr is owned and occupied by two individuals who bought it in January 2021.

Source: Orange County records, as of May 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	15041 TEA TREE DR, WINTER GARDEN, FL 34787-9547
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
Oct 30, 2025	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Jan 26, 2021	Special Warranty Deed, Transfer · VA Mortgage NVR MORTGAGE FINANCE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 26, 2021 · Amount on File
Deed Sale	Jan 26, 2021 · Amount on File
Prior Sale	Aug 28, 2020 · Amount on File
Deed Document Number	202146135
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	15041 TEA TREE DR, WINTER GARDEN, FL 34787-9547
Transaction Type	Mortgage
Record Updated	Dec 5, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15041 TEA TREE DR, OAKLAND, FL 34787-9547

Mortgage

Document Number	0000631807
Date	Oct 30, 2025
Instrument	20250631807

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Nov 1, 2065

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jan 26, 2021
Property Address	15041 TEA TREE DR, WINTER GARDEN, FL 34787-9547
Document Number	0000046135
Map Reference	MB 102 PG 15-20
Instrument Date	Jan 25, 2021
Instrument	20210046135
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,372.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4307 VINELAND RD # RDH16, 4307, ORLANDO, FL 32811-7178

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	15041 TEA TREE DR, WINTER GARDEN, FL 34787-9547

Mortgage

Document Number	0000046136
Date	Jan 26, 2021
Instrument	20210046136

Lender

Name	NVR MORTGAGE FINANCE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 15041 Tea Tree Dr was $8,524, up 4% 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		$545,040 (+2.7%)	$694,290 (-1.19%) Land $110,000 Building $584,290
2025	$8,524.00 (+3.99%) Homeowner's exemption	$530,711	$702,640 Land $110,000 Building $592,640
2024	$8,197.00 (+7.11%)
2023	$7,653.00 (+3.2%) Homeowner's exemption	$500,732 (+3%)	$557,451 (+14.67%) Land $110,000 Building $447,451
2022	$7,416.00 Homeowner's exemption	$486,148 Land $110,000 Building $376,148	$486,148 Land $110,000 Building $376,148

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

Flood

FEMA maps place 15041 Tea Tree Dr in Zone X, an area of minimal flood risk.

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 File median of 77 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	77 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

Wildfire risk around 15041 Tea Tree Dr is moderate, ranking above 58% 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 58% of the US · lower than 68% 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.

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 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Utah Broadband.

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