Orange County property record for 15914 Moonlight Bay St, Winter Garden, FL 34787
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,685 sqft · built 2021 |
| Lot Size | 0.119 acres (5,200 sqft) |
| Owner | Individual Name on File |
| Last Sale | $470,000 (May 2025) |
| Tax Bill | $5,984 (2025) |
| Deeds & Mortgages | Oct 2023 Mortgage Aug 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-24-27-7507-04-780 |
| Primary APN | 07-24-27-7507-04-780 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,685 sqft Living Area |
| Gross Area | 2,311 sqft |
| 1st Floor Area | 1,685 sqft |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,200 sqft (0.119 acres) |
| Garage Type | Attached |
| Garage Area | 442 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 184 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 15914 MOONLIGHT BAY ST |
|---|---|
| City | WINTER GARDEN |
| State | FL |
| Zip | 34787-8438 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | P-D |
| Legal Description | WATERLEIGH PHASES 3B, 3C AND 3D 100/61 LOT 478 |
| Legal Range | 27E |
| Legal Township | 24S |
| Legal Section | 07 |
| Legal Subdivision | WATERLEIGH PHS 3B, 3C AND 3D |
| Legal Phase | S |
| Legal Block | 4 |
| Legal Lot Number | 478 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 1 |
| Census Block | 1083 |
| Census Tract | 17111 |
Source: Orange County records, as of April 30, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 15914 MOONLIGHT BAY ST, WINTER GARDEN, FL 34787-8438 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
| Date | Document |
|---|---|
| Oct 4, 2023 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Aug 27, 2021 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage DHI MORTGAGE COMPANY LTD |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 15, 2025 · Amount on File |
| Deed Sale | May 15, 2025 · Amount on File |
| Prior Sale | Aug 27, 2021 · Amount on File |
| Deed Document Number | 2025286727 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 15914 MOONLIGHT BAY ST, WINTER GARDEN, FL 34787-8438 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2023 |
| Name | Verified Name |
|---|---|
| Address | 15914 MOONLIGHT BAY ST, WINTER GARDEN, FL 34787-8438 |
| Document Number | 0000570792 |
|---|---|
| Date | Oct 4, 2023 |
| Instrument | 20230570792 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 335 Months |
| Due | Sep 1, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Aug 27, 2021 |
| Property Address | 15914 MOONLIGHT BAY ST, WINTER GARDEN, FL 34787-8438 |
| Document Number | 0000526320 |
| Map Reference | MB 100 PG 61-87 |
| Instrument Date | Aug 24, 2021 |
| Instrument | 20210526320 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 16, 2023 |
| Title Company | DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,562.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10192 DOWDEN RD, ORLANDO, FL 32832-5128 |
| Name | Verified Name |
|---|---|
| Address | 15914 MOONLIGHT BAY ST, WINTER GARDEN, FL 34787-8438 |
| Document Number | 0000526321 |
|---|---|
| Date | Aug 27, 2021 |
| Instrument | 20210526321 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
Source: Orange County assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Unified School District | Orange County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $402,280 (+7.78%) Land $110,000 Building $292,280 | $402,280 (-8.06%) Land $110,000 Building $292,280 | |
| 2025 | $5,984.00 (+4.82%) Homeowner's exemption | $373,231 (+5.99%) | $437,550 (+9.87%) Land $110,000 Building $327,550 |
| 2024 | $5,709.00 (+6.79%) | ||
| 2023 | $5,346.00 (+3.85%) Homeowner's exemption | $352,148 (+3%) | $398,250 (+16.48%) Land $110,000 Building $288,250 |
| 2022 | $5,148.00 Homeowner's exemption | $341,891 Land $100,000 Building $241,891 | $341,891 Land $100,000 Building $241,891 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 File median of 269 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 269 in force |
| Nearby Flood Claims | 4 (2014–2024) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 74% of the US · above 59% of Florida |
|---|---|
| Wildfire Likelihood | 0.5% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | OCUD/SOUTHERN WATER SYS (5 WPS) serves 80,738 people · EPA ID FL3484119 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2024 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 448 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber · Cable in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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