Orange County property record for 16085 Pebble Bluff Loop, #LO, Winter Garden, FL 34787
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 2.5 ba · 1,634 sqft · built 2017 |
| Lot Size | 0.158 acres (6,887 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $460,000 (Apr 2025) |
| Tax Bill | $3,533 (2025) |
| Deeds & Mortgages | Feb 2024 Mortgage Jan 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-24-27-7501-01-100 |
| Primary APN | 07-24-27-7501-01-100 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,634 sqft Living Area |
| Gross Area | 2,214 sqft |
| 1st Floor Area | 748 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Architectural Style | Townhouse |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,887 sqft (0.158 acres) |
| Garage Type | Attached |
| Garage Area | 294 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 130 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 16085 PEBBLE BLUFF LOOP, LO |
|---|---|
| City | WINTER GARDEN |
| State | FL |
| Zip | 34787-4966 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | P-D |
| Legal Description | WATERLEIGH PHASE 2A 92/6 LOT 110 |
| Legal Range | 27E |
| Legal Township | 24S |
| Legal Section | 07 |
| Legal Subdivision | WATERLEIGH PH 2A |
| Legal Phase | 2A |
| Legal Block | 1 |
| Legal Lot Number | 110 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 1 |
| Census Block | 1101 |
| Census Tract | 17111 |
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 | 16085 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4966 |
| Owner Type | Individual |
| Vesting | His Wife |
| Date | Document |
|---|---|
| Feb 6, 2024 | Deed of Trust, Mortgage · FHA Mortgage MUTUAL OF OMAHA MORTGAGE INC |
| Jan 3, 2018 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FBC MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 10, 2025 · Amount on Record |
| Deed Sale | Apr 10, 2025 · Amount on Record |
| Prior Sale | Jan 3, 2018 · Amount on Record |
| Deed Document Number | 2025210787 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 16085 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4966 |
| Transaction Type | Mortgage |
| Record Updated | Feb 19, 2024 |
| Name | Verified Name |
|---|---|
| Address | 16085 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4966 |
| Document Number | 0000070461 |
|---|---|
| Date | Feb 6, 2024 |
| Instrument | 20240070461 |
| Name | MUTUAL OF OMAHA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Feb 1, 2049 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Jan 3, 2018 |
| Property Address | 16085 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4966 |
| Document Number | 0000005189 |
| Map Reference | MB 92 PG 6-16 |
| Instrument Date | Dec 29, 2017 |
| Instrument | 20180005189 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 3, 2022 |
| Title Company | DHI TITLE OF FLORIDA INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,512.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6200 LEE VISTA BLVD STE 400, 6200, ORLANDO, FL 32822-5149 |
| Name | Verified Name |
|---|---|
| Address | 160285 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787 |
| Document Number | 0000005190 |
|---|---|
| Date | Jan 3, 2018 |
| Instrument | 20180005190 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2048 |
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 | $364,810 (+64.79%) Land $75,000 Building $289,810 | $364,810 (-1.16%) Land $75,000 Building $289,810 | |
| 2025 | $3,533.00 (+6.26%) Homeowner's exemption | $221,382 (+5.99%) | $369,100 (+23.11%) Land $75,000 Building $294,100 |
| 2024 | $3,325.00 (+6.43%) | ||
| 2023 | $3,124.00 (+4.66%) Homeowner's exemption | $208,877 (+3%) | $299,818 (-0.82%) Land $75,000 Building $224,818 |
| 2022 | $2,985.00 Homeowner's exemption | $202,793 | $302,312 Land $75,000 Building $227,312 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 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 | 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.
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 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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