16025 Pebble Bluff Loop, #LO, Winter Garden, FL 34787 Property Records

Orange County property record for 16025 Pebble Bluff Loop, #LO, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,044 sqft · built 2018
Lot Size	0.127 acres (5,517 sqft)
Owner	Individual Name on File
Last Sale	$530,000 (Jan 2024)
Tax Bill	$7,851 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-24-27-7501-01-190`

Property Details

APN / Parcel Number

Primary APN	`07-24-27-7501-01-190`
Alternative APNs	`272407750101190` `163395` `164754` `167233`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,044 sqft Living Area
Gross Area	3,078 sqft
1st Floor Area	1,160 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	5,517 sqft (0.127 acres)
Garage Type	Attached
Garage Area	518 sqft
Porch	Finished/Open Porch
Porch Area	280 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	16025 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 119
Legal Range	27E
Legal Township	24S
Legal Section	07
Legal Subdivision	WATERLEIGH PH 2A
Legal Phase	2A
Legal Block	1
Legal Lot Number	119
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1089
Census Tract	17111

Owner

16025 Pebble Bluff Loop, #LO is owned by an individual who bought it in January 2024.

Source: Orange County records, as of April 30, 2026

Owner of Record	Individual Name on File
Mailing Address	7193 REGINA WAY, ORLANDO, FL 32819-5515
Owner Type	Individual
Vesting	Married Man, Separate Property

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2024	Warranty Deed, Transfer · Conventional Mortgage A&D MORTGAGE LLC
Apr 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERIFIRST FINANCIAL CORP
Apr 26, 2021	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP
May 23, 2018	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 10, 2024 · Amount on File
Deed Sale	Jan 10, 2024 · Amount on File
Prior Sale	Apr 26, 2021 · Amount on File
Deed Document Number	202419048
Record Updated	Jun 8, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jan 10, 2024
Property Address	16025 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4964
Document Number	0000019048
Map Reference	MB 92 PG 6-16
Instrument Date	Dec 15, 2023
Instrument	20240019048
Transaction Type	Transfer
Record Updated	Jan 29, 2024
Title Company	INNOVATIVE TITLE SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,710.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	28182 W SAVANNAH TRL, LAKE BARRINGTON, IL 60010-2377

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7193 REGINA WAY, ORLANDO, FL 32819-5515

Mortgage

Document Number	0000019049
Date	Jan 10, 2024
Instrument	20240019049

Lender

Name	A&D MORTGAGE LLC
Type	Mortgage Company
Address	HOLLYWOOD, FL 33020

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2054

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	16025 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4964
Transaction Type	Mortgage
Record Updated	Jan 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16025 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4964

Mortgage

Document Number	0000248489
Date	Apr 26, 2021
Instrument	20210248489

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company
Address	PORTAGE, MI 49002

Agreement

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

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Apr 26, 2021
Property Address	16025 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4964
Document Number	20210248488
Map Reference	MB 92 PG 6-16
Instrument Date	Apr 22, 2021
Instrument	20210248488
Transaction Type	Transfer
Record Updated	May 18, 2021
Title Company	THE CLOSING AGENT LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,905.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10126 TULLER LOOP # LOOP15-210, 10126, WINTER GARDEN, FL 34787-4091

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	16025 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4964

Mortgage

Document Number	20210248489
Date	Apr 26, 2021
Instrument	20210248489

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company
Address	PORTAGE, MI 49002

Agreement

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

May 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	May 23, 2018
Property Address	16025 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4964
Document Number	0000305505
Map Reference	MB 92 PG 6-16
Instrument Date	May 18, 2018
Instrument	20180305505
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 3, 2022
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,226.00
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	16025 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4964

Mortgage

Document Number	0000305506
Date	May 23, 2018
Instrument	20180305506

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 16025 Pebble Bluff Loop, #LO was $7,851, up 4.3% from the year before.

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		$454,380 (-7.07%) Land $110,000 Building $344,380	$454,380 (-7.83%) Land $110,000 Building $344,380
2025	$7,851.00 (+4.33%) Homeowner's exemption	$488,950	$492,970 Land $110,000 Building $382,970
2024	$7,525.00 (+22.32%)
2023	$6,152.00 (+3.69%) Homeowner's exemption	$404,142 (+3%)	$457,959 (+16.72%) Land $110,000 Building $347,959
2022	$5,933.00 Homeowner's exemption	$392,371 Land $100,000 Building $292,371	$392,371 Land $100,000 Building $292,371

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 16025 Pebble Bluff Loop, #LO in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 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	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

Wildfire risk around 16025 Pebble Bluff Loop, #LO is moderate, ranking above 62% of the US, with a 0.2% annual chance of 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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