1540 Lilly Oaks Cir, Gotha, FL 34734 Property Records

Orange County property record for 1540 Lilly Oaks Cir, Gotha, FL 34734

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,804 sqft · built 1995
Lot Size	0.336 acres (14,625 sqft)
Owner	Individual Name on File
Last Sale	$222,000 (Jan 2018)
Tax Bill	$720 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-22-28-4570-00-260`

Property Details

APN / Parcel Number

Primary APN	`29-22-28-4570-00-260`
Alternative APNs	`282229457000260` `256913` `261762` `266306`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,804 sqft Living Area
Gross Area	2,677 sqft
1st Floor Area	1,163 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2010
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,625 sqft (0.336 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	340 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1540 LILLY OAKS CIR
City	GOTHA
State	FL
Zip	34734-4553
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LAKE LILLY OAKS 27/142 LOT 26
Legal Range	28E
Legal Township	22S
Legal Section	29
Legal Subdivision	LAKE LILLY OAKS
Legal Tract	4570
Legal Lot Number	26
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	3
Census Block	3020
Census Tract	14804

Owner

1540 Lilly Oaks Cir is owned and occupied by an individual who bought it in January 2018.

Source: Orange County records, as of May 22, 2026

Owner of Record	Individual Name on File
Mailing Address	1540 LILLY OAKS CIR, GOTHA, FL 34734-4553
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 17, 2025	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK
Sep 9, 2021	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK
Jan 24, 2018	Warranty Deed, Transfer · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 24, 2018 · Amount on File
Deed Sale	Jan 24, 2018 · Amount on File
Prior Sale	Sep 1, 2015 · Amount on File
Deed Document Number	201846325
Prior Transfer Date	Jan 18, 2018
Prior Transfer Doc	0000046325
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1540 LILLY OAKS CIR, GOTHA, FL 34734-4553
Transaction Type	Mortgage
Record Updated	Dec 29, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1540 LILLY OAKS CIR, GOTHA, FL 34734-4553

Mortgage

Document Number	0000723392
Date	Dec 17, 2025
Instrument	20250723392

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60639

Agreement

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

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1540 LILLY OAKS CIR, GOTHA, FL 34734-4553
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1540 LILLY OAKS CIR, GOTHA, FL 34734-4553

Mortgage

Document Number	0000549487
Date	Sep 9, 2021
Instrument	20210549487

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60639

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jan 24, 2018
Property Address	1540 LILLY OAKS CIR, GOTHA, FL 34734-4553
Document Number	0000046325
Map Reference	MB 27 PG 142&143
Instrument Date	Jan 18, 2018
Instrument	20180046325
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	MID FLORIDA TITLE INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,554.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1540 LILLY OAKS CIR, 1540, GOTHA, FL 34734-4553

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1540 LILLY OAKS CIR, GOTHA, FL 34734-4553

Mortgage

Document Number	0000046326
Date	Jan 24, 2018
Instrument	20180046326

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 1540 Lilly Oaks Cir was $720, up 34.6% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$317,767 (+2.7%)	$429,400 (-1.2%) Land $120,000 Building $309,400
2025	$720.00 (+34.58%) Homeowner's exemption	$309,413	$434,630 Land $120,000 Building $314,630
2024	$535.00 (+0.75%)
2023	$531.00 (+3.71%) Homeowner's exemption	$291,935 (+4.79%)	$377,424 (+21.84%) Land $120,000 Building $257,424
2022	$512.00 Homeowner's exemption	$278,578	$309,760 Land $95,000 Building $214,760

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

Flood

FEMA maps place 1540 Lilly Oaks Cir in Zone X, an area of minimal flood risk, within 100 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 AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	7 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 1540 Lilly Oaks Cir is moderate, ranking above 48% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 48% of the US · lower than 81% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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	OCOEE, CITY OF (2 WPS) serves 34,000 people · EPA ID FL3480204
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	Under 1 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 98 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Hotwire Communications.

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