15432 Sandfield Loop, Winter Garden, FL 34787 Property Records

Orange County property record for 15432 Sandfield Loop, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,768 sqft · built 2013
Lot Size	0.179 acres (7,800 sqft)
Owner	2 Individual Names on File
Last Sale	$360,000 (Jan 2014)
Tax Bill	$5,656 (2025)
Deeds & Mortgages	Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-23-27-4644-00-470`

Property Details

APN / Parcel Number

Primary APN	`08-23-27-4644-00-470`
Alternative APNs	`272308464400470` `136153` `137010` `138523`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,768 sqft Living Area
Gross Area	3,744 sqft
1st Floor Area	2,768 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,800 sqft (0.179 acres)
Garage Type	Attached
Garage Area	636 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	340 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	15432 SANDFIELD LOOP
City	WINTER GARDEN
State	FL
Zip	34787-9809
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	RESERVE AT CARRIAGE POINTE PHASE 1 78/117 LOT 47
Legal Range	27E
Legal Township	23S
Legal Section	08
Legal Subdivision	RESERVE AT CARRIAGE POINTE PH 1
Legal Phase	1
Legal Tract	4644
Legal Lot Number	47
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1035
Census Tract	17113

Owner

Source: Orange County assessment roll, APN 08-23-27-4644-00-470, as of April 30, 2026 · Last verified May 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 File
Mailing Address	15432 SANDFIELD LOOP, WINTER GARDEN, FL 34787-9809
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 03, 2014 · Amount on Record
Deed Sale	Jan 03, 2014 · Amount on Record
Deed Document Number	20142710
Deed Book / Page	10684 / 3844
Record Updated	Jun 08, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	15432 SANDFIELD LOOP, WINTER GARDEN, FL 34787-9809
Document Number	0000470335
Instrument Date	Aug 25, 2020
Transaction Type	Mortgage
Record Updated	Sep 23, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	15432 SANDFIELD LOOP WINTER GARDEN FL 347879809, WINTER GARDEN, FL 34787-9809

Mortgage

Document Number	0000470335
Date	Sep 08, 2020
Instrument	470335

Lender

Name	FBC MTG
Type	Mortgage Company
Address	ORLANDO, FL 32801

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Sep 07, 2045

Tax Assessment & Valuation

Source: Orange County assessment roll as of April 30, 2026 · Last verified May 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$403,303 (+2.7%)	$593,100 (-8%) Land $110,000 Building $483,100
2025	$5,656.00 (+5.29%) Homeowner's exemption	$392,700 (+5.99%)	$644,700 (+21.29%) Land $110,000 Building $534,700
2024	$5,372.00 (+3.71%)
2023	$5,180.00 (+3.04%) Homeowner's exemption	$370,517 (+3%)	$531,519 (+15.62%) Land $110,000 Building $421,519
2022	$5,027.00 Homeowner's exemption	$359,725	$459,693 Land $100,000 Building $359,693

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Orange County (12095C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120950171131, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Moderate above 50% of the US · lower than 79% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, 163 locations within half a mile, as of December 31, 2025 · Last verified October 2026

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

May also be available: Lumen Technologies, T-Mobile USA, Verizon.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL3481481, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	WINTER GARDEN WATER DEPT (3 WPS) serves 72,205 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.