15387 Sandfield Loop, Winter Garden, FL 34787 Property Records

Orange County property record for 15387 Sandfield Loop, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,538 sqft · built 2014
Lot Size	0.184 acres (8,014 sqft)
Owner	2 Individual Names on Record
Last Sale	$316,000 (Mar 2017)
Tax Bill	$5,082 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-23-27-7641-00-810`

Property Details

APN / Parcel Number

Primary APN	`08-23-27-7641-00-810`
Alternative APNs	`272308764100810` `136203` `137061` `138574`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,538 sqft Living Area
Gross Area	3,617 sqft
1st Floor Area	2,538 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,014 sqft (0.184 acres)
Garage Type	Attached
Garage Area	635 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	444 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	15387 SANDFIELD LOOP
City	WINTER GARDEN
State	FL
Zip	34787-9807
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	RESERVE AT CARRIAGE POINTE PHASE 2 80/115 LOT 81
Legal Range	27E
Legal Township	23S
Legal Section	08
Legal Subdivision	RESERVE AT CARRIAGE POINTE PH 2
Legal Phase	2
Legal Tract	7641
Legal Lot Number	81
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1037
Census Tract	17113

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	15387 SANDFIELD LOOP, WINTER GARDEN, FL 34787-9807
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2023	Deed of Trust, Mortgage · Line of Credit FAIRWINDS CU
Aug 13, 2020	Deed of Trust, Mortgage · Conventional with PMI PENNYMAC
Mar 29, 2017	Warranty Deed, Transfer · Conventional Mortgage CBC NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 29, 2017 · Amount on Record
Deed Sale	Mar 29, 2017 · Amount on Record
Prior Sale	May 22, 2014 · Amount on Record
Deed Document Number	2017166299
Record Updated	Jun 8, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	15387 SANDFIELD LOOP, WINTER GARDEN, FL 34787-9807
Transaction Type	Mortgage
Record Updated	Oct 3, 2023
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15387 SANDFIELD LOOP, WINTER GARDEN, FL 34787-9807

Mortgage

Document Number	0000538213
Date	Sep 19, 2023
Instrument	20230538213

Lender

Name	FAIRWINDS CU
Type	Credit Union
Address	ORLANDO, FL 32826

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 25, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	15387 SANDFIELD LOOP, WINTER GARDEN, FL 34787-9807
Document Number	0000439911
Instrument Date	Aug 13, 2020
Transaction Type	Mortgage
Record Updated	Sep 9, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	15387 SANDFIELD LOOP WINTER GARDEN FL 347879807, WINTER GARDEN, FL 34787-9807

Mortgage

Document Number	0000439911
Date	Aug 20, 2020
Instrument	439911

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 19, 2050

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Mar 29, 2017
Property Address	15387 SANDFIELD LOOP, WINTER GARDEN, FL 34787-9807
Document Number	0000166299
Map Reference	MB 80 PG 115-117
Instrument Date	Mar 22, 2017
Instrument	20170166299
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	ORLANDO TITLE PROFESSIONALS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$212.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4726 ACORN DR, 4726, MULBERRY, FL 33860-3202

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15387 SANDFIELD LOOP, WINTER GARDEN, FL 34787-9807

Mortgage

Document Number	0000166300
Date	Mar 29, 2017
Instrument	20170166300

Lender

Name	CBC NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

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		$362,000 (+2.7%)	$530,700 (-8.22%) Land $110,000 Building $420,700
2025	$5,082.00 (+5.26%) Homeowner's exemption	$352,483 (+5.99%)	$578,230 (+18.96%) Land $110,000 Building $468,230
2024	$4,828.00 (+3.69%)
2023	$4,656.00 (+3.03%) Homeowner's exemption	$332,572 (+3%)	$486,081 (+16.93%) Land $110,000 Building $376,081
2022	$4,519.00 Homeowner's exemption	$322,885	$415,701 Land $100,000 Building $315,701

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 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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% 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
Also Mapped Here	OCUD/SOUTHERN WATER SYS (5 WPS)
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 182 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50

May also be available: Alteva of Warwick, CenturyLink.

Cell Coverage

5G (outdoors only) and 4G LTE

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