16097 Pebble Bluff Loop, #LO, Winter Garden, FL 34787 Property Records

Orange County property record for 16097 Pebble Bluff Loop, #LO, Winter Garden, FL 34787

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 1,499 sqft · built 2017
Lot Size	0.56 acres (2,420 sqft)
Owner	2 Individual Names on Record
Last Sale	$269,000 (Feb 2020)
Tax Bill	$6,104 (2025)
Deeds & Mortgages	Jul 2023 Transfer Feb 2020 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-24-27-7501-01-080`

Property Details

APN / Parcel Number

Primary APN	`07-24-27-7501-01-080`
Alternative APNs	`272407750101080` `163381` `164740` `167219`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,499 sqft Living Area
Gross Area	1,996 sqft
1st Floor Area	788 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

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	2,420 sqft (0.56 acres)
Garage Type	Attached
Garage Area	294 sqft
Porch	Finished/Open Porch
Porch Area	78 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	16097 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 108
Legal Range	27E
Legal Township	24S
Legal Section	07
Legal Subdivision	WATERLEIGH PH 2A
Legal Phase	2A
Legal Block	1
Legal Lot Number	108
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1101
Census Tract	17111

Owner

Source: Orange County records, as of June 19, 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	COSMOS TOWER AVE, QUITO, EC
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Feb 19, 2020	Warranty Deed, Transfer EQUITABLE TITLE/DR PHILLIPS LL
Aug 28, 2018	Warranty Deed, Transfer · Conventional with PMI MORTGAGE FIRM
Jan 3, 2018	Special Warranty Deed, Subdivision Related Transfer · VA Mortgage DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 19, 2020 · Amount on Record
Deed Sale	Feb 19, 2020 · Amount on Record
Prior Sale	Aug 28, 2018 · Amount on Record
Deed Document Number	2020104709
Last Transfer Date	Jul 6, 2023
Transfer Doc	0000380086
Record Updated	Sep 20, 2026

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE FL
Recording Date	Jul 7, 2023
Property Address	16097 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4966
Document Number	0000380086
Map Reference	MB 92 PG 6-16
Instrument Date	Jul 6, 2023
Instrument	20230380086
Transaction Type	Transfer
Record Updated	Jul 25, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	COSMOS TOWER AVE, TRINDLE SPRG, PA 17050

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	REPUBLICA DEL SALVADOR, QUITO XX

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Feb 19, 2020
Property Address	16097 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4966
Document Number	0000104709
Instrument Date	Feb 14, 2020
Instrument	104709
Transaction Type	Transfer
Record Updated	Mar 18, 2020
Title Company	EQUITABLE TITLE/DR PHILLIPS LL

Transaction

Amount	Amount Recorded
Tax	$1,883.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2811 BELLFIELD CT KATY TX 774942299, KATY, TX 77494-2299

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Aug 28, 2018
Property Address	16097 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4966
Document Number	0000513062
Instrument Date	Aug 27, 2018
Instrument	513062
Transaction Type	Transfer
Record Updated	Sep 10, 2019
Title Company	BROKERS TITLE/CTRL FL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,722.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16097 PEBBLE BLUFF LOOP WINTER GARDEN FL 347874966, WINTER GARDEN, FL 34787-4966

Mortgage

Document Number	513063
Date	Aug 28, 2018
Instrument	513063

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 27, 2048

January 2018: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jan 3, 2018
Property Address	16097 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4966
Document Number	0000005148
Map Reference	MB 92 PG 6-16
Instrument Date	Dec 29, 2017
Instrument	20180005148
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	$1,481.20
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	16097 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4966

Mortgage

Document Number	0000005149
Date	Jan 3, 2018
Instrument	20180005149

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 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		$342,440 (+1.88%) Land $75,000 Building $267,440	$342,440 (-1.15%) Land $75,000 Building $267,440
2025	$6,104.00 (+7.14%)	$336,108 (+18.42%)	$346,410 (+22.05%) Land $75,000 Building $271,410
2024	$5,697.00 (+17.56%)
2023	$4,846.00 (+5.6%)	$283,823 (-0.67%) Land $75,000 Building $208,823	$283,823 (-0.67%) Land $75,000 Building $208,823
2022	$4,589.00	$285,726 Land $75,000 Building $210,726	$285,726 Land $75,000 Building $210,726

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 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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