15539 Firelight Dr, Winter Garden, FL 34787 Property Records

Orange County property record for 15539 Firelight Dr, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 4,662 sqft · built 2010
Lot Size	0.283 acres (12,330 sqft)
Owner	2 Individual Names on Record
Last Sale	$505,000 (Jul 2020)
Tax Bill	$8,272 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Jul 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-23-27-0550-00-470`

Property Details

APN / Parcel Number

Primary APN	`04-23-27-0550-00-470`
Alternative APNs	`272304055000470` `133120` `133907` `135420`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	4,662 sqft Living Area
Gross Area	6,251 sqft
1st Floor Area	2,337 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,330 sqft (0.283 acres)
Garage Type	Attached
Garage Area	589 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	590 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	15539 FIRELIGHT DR
City	WINTER GARDEN
State	FL
Zip	34787-5545
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	BELLE MEADE PHASE 1 62/21 LOT 47
Legal Range	27E
Legal Township	23S
Legal Section	04
Legal Subdivision	BELLE MEADE PH 1
Legal Phase	1
Legal Tract	550
Legal Lot Number	47
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	3
Census Block	3022
Census Tract	17117

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	15539 FIRELIGHT DR, WINTER GARDEN, FL 34787-5545
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 13, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Jul 13, 2020	Warranty Deed, Transfer · Conventional with PMI UNITED FIDELITY FNDG
Nov 5, 2019	Loan Modification, Mortgage · Line of Credit CITIBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2020 · Amount on Record
Deed Sale	Jul 13, 2020 · Amount on Record
Prior Sale	Jun 13, 2016 · Amount on Record
Deed Document Number	2020374820
Record Updated	Jun 8, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	15539 FIRELIGHT DR, WINTER GARDEN, FL 34787-5545
Transaction Type	Mortgage
Record Updated	Jun 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15539 FIRELIGHT DR, WINTER GARDEN, FL 34787-5545

Mortgage

Document Number	0000330676
Date	Jun 13, 2023
Instrument	20230330676

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jun 5, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jul 13, 2020
Property Address	15539 FIRELIGHT DR, WINTER GARDEN, FL 34787-5545
Document Number	0000374820
Instrument Date	Jun 25, 2020
Instrument	374820
Transaction Type	Transfer
Record Updated	Aug 3, 2020
Title Company	SUNBELT TITLE (AGENCY)

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,535.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	15539 FIRELIGHT DR WINTER GARDEN FL 347875545, WINTER GARDEN, FL 34787-5545

Mortgage

Document Number	374821
Date	Jul 13, 2020
Instrument	374821

Lender

Name	UNITED FIDELITY FNDG
Type	Funding / Finance Company
Address	MISSOURI, MO 64150

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 12, 2050

November 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ORANGE FL
Recording Date	Nov 5, 2019
Property Address	15539 FIRELIGHT DR, WINTER GARDEN, FL 34787-5545
Instrument Date	Sep 19, 2019
Instrument	695561
Transaction Type	Mortgage
Record Updated	Nov 25, 2019
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	120 S RIVERSIDE PLZ #2000 CHICAGO IL 606066995, 2000, CHICAGO, IL 60606-6995

Mortgage

Document Number	0000695561
Date	Nov 5, 2019
Instrument	695561

Lender

Name	CITIBANK
Type	Bank
Address	388 GREENWICH ST # 6TH, NEW YORK, NY 10013-2362

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$563,032 (+2.7%)	$810,720 (-1.38%) Land $135,000 Building $675,720
2025	$8,272.00 (+5.2%) Homeowner's exemption	$548,230 (+5.99%)	$822,090 (+5.06%) Land $135,000 Building $687,090
2024	$7,863.00 (+3.54%)
2023	$7,594.00 (+9.79%) Homeowner's exemption	$517,261 (+9.34%)	$782,489 (+38.94%) Land $135,000 Building $647,489
2022	$6,917.00 Homeowner's exemption	$473,069	$563,171 Land $90,000 Building $473,171

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 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 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% 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	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 262 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Alteva of Warwick, AT&T, CenturyLink.

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