15316 Torpoint Rd, Winter Garden, FL 34787 Property Records

Orange County property record for 15316 Torpoint Rd, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,900 sqft · built 2002
Lot Size	0.101 acres (4,400 sqft)
Owner	Individual Name on File
Last Sale	$251,000 (Jun 2017)
Tax Bill	$4,222 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Nov 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-23-27-8230-21-150`

Property Details

APN / Parcel Number

Primary APN	`04-23-27-8230-21-150`
Alternative APNs	`272304823021150` `134094` `134880` `136392`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,900 sqft Living Area
Gross Area	2,560 sqft
1st Floor Area	892 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	4,400 sqft (0.101 acres)
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	1 Parking Space
Porch	Finished/Open Porch
Porch Area	102 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	15316 TORPOINT RD
City	WINTER GARDEN
State	FL
Zip	34787-4607
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	STONE CREEK UNIT 1 44/131 LOT 150 BLK 21
Legal Range	27E
Legal Township	23S
Legal Section	04
Legal Subdivision	STONE CREEK UT 1
Legal Tract	8230
Legal Block	21
Legal Lot Number	150
Legal Unit	1
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	3
Census Block	3009
Census Tract	17117

Owner

15316 Torpoint Rd is owned and occupied by an individual who bought it in June 2017.

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

Owner of Record	Individual Name on File
Mailing Address	15316 TORPOINT RD, WINTER GARDEN, FL 34787-4607
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
Dec 9, 2025	Deed of Trust, Mortgage · FHA Mortgage SUN WEST MORTGAGE COMPANY INC
Nov 7, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jul 12, 2017	Warranty Deed, Transfer · FHA Mortgage RP FNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2017 · Amount on File
Deed Sale	Jun 1, 2017 · Amount on File
Prior Sale	May 12, 2010 · Amount on File
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	15316 TORPOINT RD, WINTER GARDEN, FL 34787-4607
Transaction Type	Mortgage
Record Updated	Dec 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15316 TORPOINT RD, WINTER GARDEN, FL 34787-4607

Mortgage

Document Number	0000703345
Date	Dec 9, 2025
Instrument	20250703345

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	CERRITOS, CA 90703

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	15316 TORPOINT RD, WINTER GARDEN, FL 34787-4607
Transaction Type	Mortgage
Record Updated	Nov 22, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15316 TORPOINT RD, WINTER GARDEN, FL 34787-4607

Mortgage

Document Number	0000677504
Date	Nov 7, 2022
Instrument	20220677504

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Oct 27, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jul 12, 2017
Property Address	15316 TORPOINT RD, WINTER GARDEN, FL 34787-4607
Document Number	0000384704
Instrument Date	Jun 30, 2017
Instrument	384704
Transaction Type	Transfer
Record Updated	Sep 10, 2019
Title Company	SAINT LAWRENCE TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,757.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15316 TORPOINT RD WINTER GARDEN FL 347874607, WINTER GARDEN, FL 34787-4607

Mortgage

Document Number	384705
Date	Jul 12, 2017
Instrument	384705

Lender

Name	RP FNDG
Type	Funding / Finance Company
Address	MAITLAND, FL 32751

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 11, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 15316 Torpoint Rd was $4,222, up 4.8% from the year before.

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

Property Jurisdictions

Type	Name
State	Florida
County	Orange County
Municipality	Winter Garden City
Unified School District	Orange County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$282,923 (+2.7%)	$415,652 (-1.41%) Land $110,000 Building $305,652
2025	$4,222.00 (+4.82%) Homeowner's exemption	$275,485	$421,584 Land $110,000 Building $311,584
2024	$4,028.00 (+3.6%)
2023	$3,888.00 (+2.86%) Homeowner's exemption	$259,923 (+3%)	$395,443 (+17.42%) Land $110,000 Building $285,443
2022	$3,780.00 Homeowner's exemption	$252,352	$336,787 Land $95,000 Building $241,787

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

Flood

FEMA maps place 15316 Torpoint Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 12 policies
Nearby Flood Policies	12 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 15316 Torpoint Rd is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond 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	WINTER GARDEN WATER DEPT (3 WPS) serves 72,205 people · EPA ID FL3481481
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 262 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Alteva of Warwick, AT&T, CenturyLink.

Cell Coverage

5G (outdoors only) and 4G LTE

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