15228 Chapter Way, Winter Garden, FL 34787 Property Records

Orange County property record for 15228 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	$340,000 (Oct 2020)
Tax Bill	$4,833 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-24-27-7176-03-440`

Property Details

APN / Parcel Number

Primary APN	`18-24-27-7176-03-440`
Alternative APNs	`272418717603440` `166863` `168219` `170859`

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/Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	4,064 sqft (0.093 acres)
Garage Type	Detached
Garage Area	462 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	15228 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 344
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	344
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 October 13, 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	15228 CHAPTER WAY, WINTER GARDEN, FL 34787-1770
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2020	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MTG CORP
Oct 4, 2019	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 8, 2020 · Amount on Record
Deed Sale	Oct 8, 2020 · Amount on Record
Prior Sale	Oct 4, 2019 · Amount on Record
Deed Document Number	2020526481
Record Updated	Oct 29, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Oct 8, 2020
Property Address	15228 CHAPTER WAY, WINTER GARDEN, FL 34787-1770
Document Number	0000526481
Instrument Date	Sep 28, 2020
Instrument	526481
Transaction Type	Transfer
Record Updated	Oct 28, 2020
Title Company	SUNBELT TITLE (AGENCY)

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,380.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	15228 CHAPTER WAY WINTER GARDEN FL 347871770, WINTER GARDEN, FL 34787-1770

Mortgage

Document Number	526482
Date	Oct 8, 2020
Instrument	526482

Lender

Name	WATERSTONE MTG CORP
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 7, 2050

October 2019: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Oct 4, 2019
Property Address	15228 CHAPTER WAY, WINTER GARDEN, FL 34787-1770
Document Number	0000620083
Map Reference	MB 97 PG 83
Instrument Date	Sep 27, 2019
Instrument	20190620083
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	$2,158.80
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	15228 CHAPTER WAY, WINTER GARDEN, FL 34787-1770

Mortgage

Document Number	0000620084
Date	Oct 4, 2019
Instrument	20190620084

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 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		$311,093 (+2.7%)	$444,720 (-0.86%) Land $110,000 Building $334,720
2025	$4,833.00 (+4.79%) Homeowner's exemption	$302,914 (+5.99%)	$448,570 (+9.91%) Land $110,000 Building $338,570
2024	$4,612.00 (+6.98%)
2023	$4,311.00 (+5.43%) Homeowner's exemption	$285,803 (+3%)	$408,141 (+19.91%) Land $110,000 Building $298,141
2022	$4,089.00 Homeowner's exemption	$277,479	$340,367 Land $90,000 Building $250,367

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

Nearby Properties on Chapter Way

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures