15504 Sandfield Loop, Winter Garden, FL 34787 Property Records

Orange County property record for 15504 Sandfield Loop, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,854 sqft · built 2013
Lot Size	0.207 acres (8,999 sqft)
Owner	2 Individual Names on Record
Last Sale	$850,000 (Feb 2026)
Tax Bill	$7,946 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-23-27-4644-00-110`

Property Details

APN / Parcel Number

Primary APN	`08-23-27-4644-00-110`
Alternative APNs	`272308464400110` `136108` `136967` `138479`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,854 sqft Living Area
Gross Area	5,172 sqft
1st Floor Area	2,310 sqft
Flooring	Wood
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	8,999 sqft (0.207 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	584 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	15504 SANDFIELD LOOP
City	WINTER GARDEN
State	FL
Zip	34787-9801
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	RESERVE AT CARRIAGE POINTE PHASE 1 78/117 LOT 11
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	11
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1035
Census Tract	17113

Owner

Source: Orange County records, as of June 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	15504 SANDFIELD LOOP, WINTER GARDEN, FL 34787-9801
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2026	Warranty Deed, Transfer · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
Oct 31, 2018	Warranty Deed, Transfer · Conventional Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 6, 2026 · Amount on Record
Deed Sale	Feb 6, 2026 · Amount on Record
Prior Sale	Oct 31, 2018 · Amount on Record
Deed Document Number	202671911
Record Updated	Sep 20, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Feb 6, 2026
Property Address	15504 SANDFIELD LOOP, WINTER GARDEN, FL 34787-9801
Document Number	0000071911
Map Reference	MB 78 PG 117-122
Instrument Date	Jan 29, 2026
Instrument	20260071911
Transaction Type	Transfer
Record Updated	Feb 20, 2026
Title Company	UNKNOWN, CLEAR TITLE OF FLORIDA LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,950.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1712 WINGFIELD CIR, BIRMINGHAM, AL 35242-5852

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15504 SANDFIELD LOOP, WINTER GARDEN, FL 34787-9801

Mortgage

Document Number	0000071912
Date	Feb 6, 2026
Instrument	20260071912

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2041

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Oct 31, 2018
Property Address	15504 SANDFIELD LOOP, WINTER GARDEN, FL 34787-9801
Document Number	0000639902
Instrument Date	Oct 10, 2018
Instrument	639902
Transaction Type	Transfer
Record Updated	Sep 10, 2019
Title Company	NU WORLD TITLE/CTRL FL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,727.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	15504 SANDFIELD LOOP WINTER GARDEN FL 347879801, WINTER GARDEN, FL 34787-9801

Mortgage

Document Number	639903
Date	Oct 31, 2018
Instrument	639903

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 30, 2033

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		$542,496 (+2.7%)	$724,118 (-8.61%) Land $110,000 Building $614,118
2025	$7,946.00 (+5.2%) Homeowner's exemption	$528,234 (+5.99%)	$792,302 (+17.58%) Land $110,000 Building $682,302
2024	$7,553.00 (+3.55%)
2023	$7,294.00 (+2.88%) Homeowner's exemption	$498,395 (+3%)	$673,854 (+16.42%) Land $110,000 Building $563,854
2022	$7,090.00 Homeowner's exemption	$483,879	$578,814 Land $100,000 Building $478,814

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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