15096 Chapter Way, Winter Garden, FL 34787 Property Records

Orange County property record for 15096 Chapter Way, Winter Garden, FL 34787

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 1,599 sqft · built 2019
Lot Size	0.101 acres (4,380 sqft)
Owner	Individual Name on Record
Last Sale	$260,200 (Jul 2019)
Tax Bill	$4,102 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-24-27-7175-03-170`

Property Details

APN / Parcel Number

Primary APN	`18-24-27-7175-03-170`
Alternative APNs	`272418717503170` `166824` `168181` `170820`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,599 sqft Living Area
Gross Area	2,376 sqft
1st Floor Area	931 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Townhouse
Exterior Material	Concrete Block/Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	4,380 sqft (0.101 acres)
Garage Type	Detached
Garage Area	420 sqft
Porch	Slab
Porch Area	175 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	15096 CHAPTER WAY
City	WINTER GARDEN
State	FL
Zip	34787-1764
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	P-D
Legal Description	STOREY GROVE PHASE 1B-3 96/77 LOT 317
Legal Range	27E
Legal Township	24S
Legal Section	18
Legal Subdivision	STOREY GROVE PH 1B-3
Legal Phase	1B-3
Legal Block	3
Legal Lot Number	317
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1083
Census Tract	17111

Owner

Source: Orange County records, as of October 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	15096 CHAPTER WAY, WINTER GARDEN, FL 34787-1764
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2022	Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB
Jun 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Jul 23, 2019	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 23, 2019 · Amount on Record
Deed Sale	Jul 23, 2019 · Amount on Record
Deed Document Number	2019450513
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	15096 CHAPTER WAY, WINTER GARDEN, FL 34787-1764
Transaction Type	Mortgage
Record Updated	Sep 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15096 CHAPTER WAY, WINTER GARDEN, FL 34787-1764

Mortgage

Document Number	0000546379
Date	Sep 7, 2022
Instrument	20220546379

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	15096 CHAPTER WAY, WINTER GARDEN, FL 34787-1764
Transaction Type	Mortgage
Record Updated	Jan 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15096 CHAPTER WAY, WINTER GARDEN, FL 34787-1764

Mortgage

Document Number	0000377711
Date	Jun 24, 2021
Instrument	20210377711

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

July 2019: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jul 23, 2019
Property Address	15096 CHAPTER WAY, WINTER GARDEN, FL 34787-1764
Document Number	0000450513
Map Reference	MB 96 PG 77
Instrument Date	Jul 17, 2019
Instrument	20190450513
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 3, 2022
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,821.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6750 FORUM DR STE 310, 6750, ORLANDO, FL 32821-8088

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15096 CHAPTER WAY, WINTER GARDEN, FL 34787-1764

Mortgage

Document Number	0000450514
Date	Jul 23, 2019
Instrument	20190450514

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company
Address	MIAMI, FL 33172

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

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		$264,563 (+2.7%)	$359,540 (-1.67%) Land $75,000 Building $284,540
2025	$4,102.00 (+5.15%) Homeowner's exemption	$257,608 (+5.99%)	$365,630 (+17.84%) Land $75,000 Building $290,630
2024	$3,901.00 (+6.94%)
2023	$3,648.00 (+5.92%) Homeowner's exemption	$243,056 (+3%)	$310,281 (+10.03%) Land $65,000 Building $245,281
2022	$3,444.00 Homeowner's exemption	$235,977	$281,989 Land $75,000 Building $206,989

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 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

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

Wildfire Risk	High above 71% of the US · above 54% of Florida
Wildfire Likelihood	0.3% 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	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 589 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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