15216 Chapter Way, Winter Garden, FL 34787 Property Records

Orange County property record for 15216 Chapter Way, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,890 sqft · built 2019
Lot Size	0.093 acres (4,064 sqft)
Owner	2 Individual Names on Record
Last Sale	$475,000 (Apr 2026)
Tax Bill	$7,145 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-24-27-7176-03-460`

Property Details

APN / Parcel Number

Primary APN	`18-24-27-7176-03-460`
Alternative APNs	`272418717603460` `166866` `168222` `170862`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,890 sqft Living Area
Gross Area	2,751 sqft
1st Floor Area	1,029 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	4,064 sqft (0.093 acres)
Garage Type	Detached
Garage Area	462 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	15216 CHAPTER WAY
City	WINTER GARDEN
State	FL
Zip	34787-1770
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	STOREY GROVE PHASE 1B-4 97/83 LOT 346
Legal Range	27E
Legal Township	24S
Legal Section	18
Legal Subdivision	STOREY GROVE PH 1B-4
Legal Phase	1B-4
Legal Block	3
Legal Lot Number	346
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1129
Census Tract	17111

Owner

Source: Orange County records, as of April 30, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	3662 KERSHAW PL, OVIEDO, FL 32765-7906
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2026	Warranty Deed, Transfer · Conventional Mortgage GENERAL MORTGAGE CAPITAL CORPORATION
Sep 17, 2019	Special Warranty Deed, Subdivision Related Transfer · ARM LENDSURE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 3, 2026 · Amount on Record
Deed Sale	Apr 3, 2026 · Amount on Record
Prior Sale	Sep 17, 2019 · Amount on Record
Deed Document Number	2026192754
Record Updated	Jun 8, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Apr 3, 2026
Property Address	15216 CHAPTER WAY, WINTER GARDEN, FL 34787-1770
Document Number	0000192754
Instrument Date	Mar 31, 2026
Instrument	2026192754
Transaction Type	Transfer
Record Updated	Apr 22, 2026
Title Company	NEAR NORTH TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$335,825.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3662 KERSHAW PL, OVIEDO, FL 32765-7906

Mortgage

Document Number	0000192757,
Date	Apr 3, 2026
Instrument	2026192757

Lender

Name	GENERAL MORTGAGE CAPITAL CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

September 2019: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Sep 17, 2019
Property Address	15216 CHAPTER WAY, WINTER GARDEN, FL 34787-1770
Document Number	0000577998
Map Reference	MB 97 PG 83
Instrument Date	Sep 13, 2019
Instrument	20190577998
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	$2,054.50
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	1536 SUNRISE PLAZA DR STE 102, 102, CLERMONT, FL 34714-6204

Mortgage

Document Number	0000577999
Date	Sep 17, 2019
Instrument	20190577999

Lender

Name	LENDSURE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	Sep 1, 2026
Change Frequency	Annually
Min Rate At Change	5.62%
Max Rate At Change	8.62%
Index	1-Year LIBOR
Max Rate	11.6%

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		$422,567 (+1%)	$433,510 (-1.08%) Land $110,000 Building $323,510
2025	$7,145.00 (+7.95%)	$384,152 (-3.71%)	$438,250 (+9.85%) Land $110,000 Building $328,250
2024	$6,619.00 (+11.43%)
2023	$5,940.00 (+15.07%)	$398,955 (+19.98%) Land $110,000 Building $288,955	$398,955 (+19.98%) Land $110,000 Building $288,955
2022	$5,162.00	$332,514 Land $90,000 Building $242,514	$332,514 Land $90,000 Building $242,514

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
Nearest Special Flood Hazard Area	Zone AH, within 500 ft
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 73% of the US · above 58% of Florida
Wildfire Likelihood	0.4% 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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