15558 Sandfield Loop, Winter Garden, FL 34787 Property Records

Orange County property record for 15558 Sandfield Loop, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,055 sqft · built 2014
Lot Size	0.209 acres (9,089 sqft)
Owner	2 Individual Names on Record
Last Sale	$420,336 (Jul 2019)
Tax Bill	$5,669 (2025)
Deeds & Mortgages	Oct 2017 Line of Credit Apr 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`08-23-27-4644-00-020`

Property Details

APN / Parcel Number

Primary APN	`08-23-27-4644-00-020`
Alternative APNs	`272308464400020` `136097` `136955` `138469`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,055 sqft Living Area
Gross Area	5,774 sqft
1st Floor Area	2,630 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,089 sqft (0.209 acres)
Garage Type	Attached
Garage Area	488 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	296 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	15558 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 2
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	2
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 July 28, 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	1652 N GOLDENROD RD, 8101, ORLANDO, FL 32807-8454
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2017	Deed of Trust, Mortgage · Line of Credit FIRST BANK FINANCIAL CENTRE
Apr 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Apr 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jul 8, 2019	Warranty Deed, Transfer · ARM PMAC LENDING SERVICES INC
Jan 5, 2017	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2019 · Amount on Record
Deed Sale	Jul 8, 2019 · Amount on Record
Prior Sale	Apr 2, 2014 · Amount on Record
Deed Document Number	2019417029
Record Updated	Sep 20, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	15558 SANDFIELD LOOP, WINTER GARDEN, FL 34787-9801
Transaction Type	Mortgage
Record Updated	Jan 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000563646
Date	Oct 16, 2017
Instrument	20170563646

Lender

Name	FIRST BANK FINANCIAL CENTRE
Type	Bank
Address	OCONOMOWOC, WI 53066

Agreement

Type	Line of Credit
Amount	Amount Recorded

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	15558 SANDFIELD LOOP, WINTER GARDEN, FL 34787-9801
Transaction Type	Mortgage
Record Updated	Jan 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15558 SANDFIELD LOOP, WINTER GARDEN, FL 34787-9801

Mortgage

Document Number	0000184614
Date	Apr 1, 2021
Instrument	20210184614

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	15558 SANDFIELD LOOP, WINTER GARDEN, FL 34787-9801
Transaction Type	Mortgage
Record Updated	Apr 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15558 SANDFIELD LOOP, WINTER GARDEN, FL 34787-9801

Mortgage

Document Number	20210184614
Date	Apr 1, 2021
Instrument	20210184614

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jul 8, 2019
Property Address	15558 SANDFIELD LOOP, WINTER GARDEN, FL 34787-9801
Document Number	0000417029
Map Reference	MB 78 PG 117
Instrument Date	Jul 1, 2019
Instrument	20190417029
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	HOMETOWN TITLE GROUP INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,942.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8390 LUDINGTON CIR, 8390, ORLANDO, FL 32836-5910

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15558 SANDFIELD LOOP, WINTER GARDEN, FL 34787-9801

Mortgage

Document Number	0000417030
Date	Jul 8, 2019
Instrument	20190417030

Lender

Name	PMAC LENDING SERVICES INC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	Aug 1, 2026
Change Frequency	Annually
Min Rate At Change	5.37%
Max Rate At Change	7.37%
Index	1-Year LIBOR
Max Rate	11.3%

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	15558 SANDFIELD LOOP, WINTER GARDEN, FL 34787-9801
Document Number	0000020743
Instrument Date	Jan 5, 2017
Transaction Type	Mortgage
Record Updated	Feb 3, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	15558 SANDFIELD LOOP WINTER GARDEN FL 347879801, WINTER GARDEN, FL 34787-9801

Mortgage

Document Number	0000020743
Date	Jan 11, 2017
Instrument	20743

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Jan 10, 2032

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		$398,995 (+2.7%)	$718,190 (-8.78%) Land $110,000 Building $608,190
2025	$5,669.00 (+5.23%) Homeowner's exemption	$388,505 (+5.99%)	$787,330 (+21.22%) Land $110,000 Building $677,330
2024	$5,387.00 (+3.68%)
2023	$5,196.00 (+2.97%) Homeowner's exemption	$366,559 (+3%)	$649,508 (+17.3%) Land $110,000 Building $539,508
2022	$5,046.00 Homeowner's exemption	$355,883	$553,727 Land $100,000 Building $453,727

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	Moderate above 52% of the US · lower than 77% of Florida
Wildfire Likelihood	0.1% 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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