15491 Sandfield Loop, Winter Garden, FL 34787 Property Records

Orange County property record for 15491 Sandfield Loop, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,667 sqft · built 2015
Lot Size	0.207 acres (8,999 sqft)
Owner	2 Individual Names on Record
Last Sale	$860,000 (Dec 2023)
Tax Bill	$11,971 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage May 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-23-27-4644-00-190`

Property Details

APN / Parcel Number

Primary APN	`08-23-27-4644-00-190`
Alternative APNs	`272308464400190` `136119` `136976` `138489`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,667 sqft Living Area
Gross Area	5,645 sqft
1st Floor Area	2,483 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,999 sqft (0.207 acres)
Garage Type	Attached
Garage Area	732 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	316 sqft
Gazebo	Gazebo
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	15491 SANDFIELD LOOP
City	WINTER GARDEN
State	FL
Zip	34787-9808
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	RESERVE AT CARRIAGE POINTE PHASE 1 78/117 LOT 19
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	19
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1039
Census Tract	17113

Owner

Source: Orange County records, as of April 30, 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 Record
Mailing Address	1363 GLENWICK DR, WINDERMERE, FL 34786-6047
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 26, 2023	Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
May 30, 2018	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Aug 7, 2019	Warranty Deed, Transfer · Conventional Mortgage BANCO DO BRASIL AMERICAS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 26, 2023 · Amount on Record
Deed Sale	Dec 26, 2023 · Amount on Record
Prior Sale	Aug 7, 2019 · Amount on Record
Deed Document Number	2023733227
Record Updated	Jun 8, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Dec 26, 2023
Property Address	15491 SANDFIELD LOOP, WINTER GARDEN, FL 34787-9808
Document Number	0000733227
Map Reference	MB 78 PG 117-122
Instrument Date	Dec 12, 2023
Instrument	20230733227
Transaction Type	Transfer
Record Updated	Jan 18, 2024
Title Company	LIGHTHOUSE TITLE INSURANCE AGENCY INC, BRIGHTHOUSE TTL INS AGCY LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$6,020.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15177 LAKE BESSIE LOOP, WINTER GARDEN, FL 34787-9284

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1363 GLENWICK DR, WINDERMERE, FL 34786-6047

Mortgage

Document Number	0000733228
Date	Dec 26, 2023
Instrument	20230733228

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.5%
Type Change Date	Jan 1, 2031
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	12.5%
Margin	3
Max Rate	12.5%

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	15491 SANDFIELD LOOP, WINTER GARDEN, FL 34787-9808
Transaction Type	Mortgage
Record Updated	Jan 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000318144
Date	May 30, 2018
Instrument	20180318144

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2038

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Aug 7, 2019
Property Address	15491 SANDFIELD LOOP, WINTER GARDEN, FL 34787-9808
Document Number	0000489400
Instrument Date	Jul 24, 2019
Instrument	489400
Transaction Type	Transfer
Record Updated	Aug 21, 2019
Title Company	UNIK TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,780.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2157 BAY CLOVER DR WINTER GARDEN FL 347878846, WINTER GARDEN, FL 34787-8846

Mortgage

Document Number	489401
Date	Aug 7, 2019
Instrument	489401

Lender

Name	BANCO DO BRASIL AMERICAS
Type	Bank
Address	MIAMI, FL 33131

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 6, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.47%

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		$716,720 (-7.55%) Land $110,000 Building $606,720	$716,720 (-8.55%) Land $110,000 Building $606,720
2025	$11,971.00 (+5.17%) Homeowner's exemption	$775,260 (+15.38%)	$783,770 (+16.65%) Land $110,000 Building $673,770
2024	$11,382.00 (+16.68%)
2023	$9,755.00 (+12.75%)	$671,904 (+17.45%) Land $110,000 Building $561,904	$671,904 (+17.45%) Land $110,000 Building $561,904
2022	$8,652.00	$572,086 Land $100,000 Building $472,086	$572,086 Land $100,000 Building $472,086

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 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.04% 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	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.

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