1540 Atlantic Coastline Loop, Oakland (Winter Garden), FL 34787 Property Records

Orange County property record for 1540 Atlantic Coastline Loop, Oakland, FL 34787

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,268 sqft · built 2021
Lot Size	0.152 acres (6,609 sqft)
Owner	Individual Name on Record
Last Sale	$449,850 (Oct 2021)
Tax Bill	$7,382 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-22-27-3775-00-930`

Property Details

APN / Parcel Number

Primary APN	`19-22-27-3775-00-930`
Alternative APNs	`272219377500930` `115248` `115896` `117179`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,268 sqft Living Area
Gross Area	3,080 sqft
1st Floor Area	2,268 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,609 sqft (0.152 acres)
Garage Type	Attached
Garage Area	441 sqft
Porch	Slab
Porch Area	191 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1540 ATLANTIC COASTLINE LOOP
City	OAKLAND
State	FL
Zip	34787-9050
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	HULL ISLAND AT OAKLAND 99/91 LOT 93
Legal Range	27E
Legal Township	22S
Legal Section	19
Legal Subdivision	HULL ISLAND AT OAKLAND
Legal Lot Number	93
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	2
Census Block	2004
Census Tract	17200

Owner

Source: Orange County records, as of May 4, 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	1540 ATLANTIC COASTLINE LOOP, OAKLAND, FL 34787-9050
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2024	Deed of Trust, Mortgage · Line of Credit FAIRWINDS CU
Oct 19, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage M/I FINANCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 19, 2021 · Amount on Record
Deed Sale	Oct 19, 2021 · Amount on Record
Deed Document Number	2021636084
Record Updated	Jun 8, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1540 ATLANTIC COASTLINE LOOP, OAKLAND, FL 34787-9050
Transaction Type	Mortgage
Record Updated	Feb 19, 2024
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGE TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1540 ATLANTIC COASTLINE LOOP, OAKLAND, FL 34787-9050

Mortgage

Document Number	0000073423
Date	Feb 7, 2024
Instrument	20240073423

Lender

Name	FAIRWINDS CU
Type	Credit Union
Address	ORLANDO, FL 32826

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 25, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Oct 19, 2021
Property Address	1540 ATLANTIC COASTLINE LOOP, OAKLAND, FL 34787-9050
Document Number	0000636084
Map Reference	MB 99 PG 91
Instrument Date	Oct 15, 2021
Instrument	20210636084
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 16, 2023
Title Company	M/I TITLE AGENCY LIMITED LC, M I TITLE AGENCY LTD LC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,149.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	400 INTERNATIONAL PKWY STE 470, 470, LAKE MARY, FL 32746-5054

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1540 ATLANTIC COASTLINE LOOP, OAKLAND, FL 34787-9050

Mortgage

Document Number	0000636085
Date	Oct 19, 2021
Instrument	20210636085

Lender

Name	M/I FINANCIAL LLC
Type	Funding / Finance Company

Agreement

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

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Orange County
Municipality	Oakland Town
Unified School District	Orange County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$460,710 (+2.7%)	$583,860 (-1.07%) Land $175,000 Building $408,860
2025	$7,382.00 (+3%) Homeowner's exemption	$448,598 (+5.99%)	$590,200 (+26.15%) Land $175,000 Building $415,200
2024	$7,167.00 (+5.86%)
2023	$6,770.00 (+7.79%) Homeowner's exemption	$423,257 (+7.31%)	$467,842 (+18.61%) Land $100,000 Building $367,842
2022	$6,281.00 Homeowner's exemption	$394,424 Land $100,000 Building $294,424	$394,424 Land $100,000 Building $294,424

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% 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	TOWN OF OAKLAND serves 6,202 people · EPA ID FL3480913
Water Source	Groundwater
Last State Inspection	Feb 2026
Also Mapped Here	OCUD/WESTERN REGIONAL WTR 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	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 116 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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