1609 E Spring Ridge Cir, Winter Garden, FL 34787 Property Records

Orange County property record for 1609 E Spring Ridge Cir, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,611 sqft · built 1990
Lot Size	0.231 acres (10,052 sqft)
Owner	2 Individual Names on Record
Last Sale	$230,000 (Nov 2017)
Tax Bill	$2,624 (2025)
Deeds & Mortgages	May 2022 Line of Credit Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-22-27-1845-01-390`

Property Details

APN / Parcel Number

Primary APN	`12-22-27-1845-01-390`
Alternative APNs	`272212184501390` `110887` `111537` `112820`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,611 sqft Living Area
Gross Area	2,200 sqft
1st Floor Area	1,611 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2000
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,052 sqft (0.231 acres)
Garage Type	Attached
Garage Area	489 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	1609 E SPRING RIDGE CIR
City	WINTER GARDEN
State	FL
Zip	34787-2169
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	CROWN POINT SPRINGS UNIT 2 23/99 LOT 139
Legal Range	27E
Legal Township	22S
Legal Section	12
Legal Subdivision	CROWN POINT SPRINGS UT 2
Legal Tract	1845
Legal Block	1
Legal Lot Number	139
Legal Unit	2
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	3
Census Block	3007
Census Tract	17401

Owner

Source: Orange County records, as of May 4, 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	1609 E SPRING RIDGE CIR, WINTER GARDEN, FL 34787-2169
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 25, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Nov 17, 2020	Deed of Trust, Mortgage · VA Mortgage AFFINITY MTG
Nov 20, 2017	Warranty Deed, Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 20, 2017 · Amount on Record
Deed Sale	Nov 20, 2017 · Amount on Record
Prior Sale	Oct 14, 1998 · Amount on Record
Deed Document Number	2017632982
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1609 E SPRING RIDGE CIR, WINTER GARDEN, FL 34787-2169
Transaction Type	Mortgage
Record Updated	Jun 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1609 E SPRING RIDGE CIR, WINTER GARDEN, FL 34787-2169

Mortgage

Document Number	0000331460
Date	May 25, 2022
Instrument	20220331460

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	May 9, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1609 E SPRING RIDGE CIR, WINTER GARDEN, FL 34787-2169
Document Number	0000630409
Instrument Date	Nov 17, 2020
Transaction Type	Mortgage
Record Updated	Dec 17, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1609 E SPRING RIDGE CIR WINTER GARDEN FL 347872169, WINTER GARDEN, FL 34787-2169

Mortgage

Document Number	0000630409
Date	Dec 3, 2020
Instrument	630409

Lender

Name	AFFINITY MTG
Type	Mortgage Company
Address	LENEXA, KS 66215

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 2, 2050

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Nov 20, 2017
Property Address	1609 E SPRING RIDGE CIR, WINTER GARDEN, FL 34787-2169
Document Number	0000632982
Instrument Date	Nov 17, 2017
Instrument	632982
Transaction Type	Transfer
Record Updated	Sep 9, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/FL INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,610.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1609 E SPRING RIDGE CIR WINTER GARDEN FL 347872169, WINTER GARDEN, FL 34787-2169

Mortgage

Document Number	632983
Date	Nov 20, 2017
Instrument	632983

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 19, 2047

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		$207,080 (+2.7%)	$351,680 (-1.26%) Land $100,000 Building $251,680
2025	$2,624.00 (+5.42%) Homeowner's exemption	$201,636 (+5.99%)	$356,160 (+15.45%) Land $100,000 Building $256,160
2024	$2,489.00 (+4.1%)
2023	$2,391.00 (+3.42%) Homeowner's exemption	$190,246 (+3%)	$308,484 (+11.28%) Land $110,000 Building $198,484
2022	$2,312.00 Homeowner's exemption	$184,705	$277,207 Land $110,000 Building $167,207

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 24 policies
Nearby Flood Policies	24 in force
Nearby Flood Claims	2 (2017)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 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	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach

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
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 379 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink, Metronet.

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