16019 Pebble Bluff Loop, #LO, Winter Garden, FL 34787 Property Records

Orange County property record for 16019 Pebble Bluff Loop, #LO, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,685 sqft · built 2018
Lot Size	0.124 acres (5,385 sqft)
Owner	2 Individual Names on Record
Last Sale	$460,000 (Mar 2025)
Tax Bill	$7,605 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-24-27-7501-01-200`

Property Details

APN / Parcel Number

Primary APN	`07-24-27-7501-01-200`
Alternative APNs	`272407750101200` `163396` `164755` `167234`

Interior

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
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,385 sqft (0.124 acres)
Garage Type	Attached
Garage Area	442 sqft
Porch	Finished/Open Porch
Porch Area	184 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	16019 PEBBLE BLUFF LOOP, LO
City	WINTER GARDEN
State	FL
Zip	34787-4964
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	WATERLEIGH PHASE 2A 92/6 LOT 120
Legal Range	27E
Legal Township	24S
Legal Section	07
Legal Subdivision	WATERLEIGH PH 2A
Legal Phase	2A
Legal Block	1
Legal Lot Number	120
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1089
Census Tract	17111

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	16019 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4964
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 15, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 19, 2018	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 10, 2025 · Amount on Record
Deed Sale	Mar 10, 2025 · Amount on Record
Prior Sale	Feb 19, 2018 · Amount on Record
Deed Document Number	2025139079
Prior Transfer Date	Apr 5, 2021
Prior Transfer Doc	0000225894
Record Updated	Jun 8, 2026

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE FL
Recording Date	Apr 15, 2021
Property Address	16019 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4964
Document Number	0000225894
Map Reference	MB 92 PG 6-16
Instrument Date	Apr 5, 2021
Instrument	20210225894
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16019 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4964

Mortgage

Document Number	0000225895
Date	Apr 15, 2021
Instrument	20210225895

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE FL
Recording Date	Apr 15, 2021
Property Address	16019 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4964
Document Number	20210225894
Map Reference	MB 92 PG 6-16
Instrument Date	Apr 5, 2021
Instrument	20210225894
Transaction Type	Transfer
Record Updated	May 4, 2021
Title Company	NOT AVAILABLE, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16019 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4964

Mortgage

Document Number	20210225895
Date	Apr 15, 2021
Instrument	20210225895

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

February 2018: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Feb 19, 2018
Property Address	16019 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4964
Document Number	0000099616
Map Reference	MB 92 PG 6-16
Instrument Date	Feb 16, 2018
Instrument	20180099616
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 3, 2022
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,842.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6200 LEE VISTA BLVD STE 400, 6200, ORLANDO, FL 32822-5149

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16019 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4964

Mortgage

Document Number	0000099617
Date	Feb 19, 2018
Instrument	20180099617

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2048

Tax Assessment & Valuation

Source: Orange County assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Orange County
Unified School District	Orange County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$398,820 (-7.95%) Land $110,000 Building $288,820	$398,820 (-7.95%) Land $110,000 Building $288,820
2025	$7,605.00 (+4.94%)	$433,280 (+69.86%) Land $110,000 Building $323,280	$433,280 (+9.81%) Land $110,000 Building $323,280
2024	$7,247.00 (+88.67%)
2023	$3,841.00 (+4.32%) Homeowner's exemption	$255,081 (+3%)	$394,583 (+16.45%) Land $110,000 Building $284,583
2022	$3,682.00 Homeowner's exemption	$247,651	$338,857 Land $100,000 Building $238,857

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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	Hurricane Milton, Oct 2024 · 2 claims

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 62% of the US · lower than 62% of Florida
Wildfire Likelihood	0.2% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 189 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
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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