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16109 Pebble Bluff Loop, #LO, Winter Garden, FL 34787 Property Records

Orange County property record for 16109 Pebble Bluff Loop, #LO, Winter Garden, FL 34787

Property Summary

Property TypeTownhouse
Details3 bd · 2.5 ba · 1,499 sqft · built 2018
Lot Size0.56 acres (2,420 sqft)
OwnerIndividual Name on File
Last Sale$200,000 (Jan 2018)
Tax Bill$6,072 (2025)
Deeds & MortgagesJan 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN07-24-27-7501-01-060

Property Details

APN / Parcel Number

Primary APN07-24-27-7501-01-060
Alternative APNs
  • 272407750101060
  • 163379
  • 164738
  • 167217

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,499 sqft Living Area
Gross Area1,996 sqft
1st Floor Area788 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2018
Effective Year BuiltEffective 2018
Architectural StyleTownhouse
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area2,420 sqft (0.56 acres)
Garage TypeAttached
Garage Area294 sqft
PorchFinished/Open Porch
Porch Area78 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address16109 PEBBLE BLUFF LOOP, LO
CityWINTER GARDEN
StateFL
Zip34787-4966
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Local Zoning CodeP-D
Legal DescriptionWATERLEIGH PHASE 2A 92/6 LOT 106
Legal Range27E
Legal Township24S
Legal Section07
Legal SubdivisionWATERLEIGH PH 2A
Legal Phase2A
Legal Block1
Legal Lot Number106
JurisdictionORANGE FL
Township / Civil DivisionSOUTHWEST ORANGE
Census Block Group1
Census Block1101
Census Tract17111

Owner

16109 Pebble Bluff Loop, #LO is owned by an individual who acquired it in November 2024.

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

Owner of RecordIndividual Name on File
Mailing Address129 LOMBARD CIR, CLERMONT, FL 34711-6527
Owner TypeIndividual
VestingMarried Woman, 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

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 12, 2018 · Amount on File
Deed SaleJan 12, 2018 · Amount on File
Deed Document Number201825783
Last Transfer DateNov 26, 2024
Transfer Doc0000680304
Record UpdatedSep 20, 2026

January 2018: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionORANGE FL
Recording DateJan 12, 2018
Property Address16109 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4966
Document Number0000025783
Map ReferenceMB 92 PG 6-16
Instrument DateJan 10, 2018
Instrument20180025783
Transaction TypeSubdivision Related Transfer
Record UpdatedJan 3, 2022
Title CompanyDHI TITLE OF FLORIDA INC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,400.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address6200 LEE VISTA BLVD STE 400, 6200, ORLANDO, FL 32822-5149

Transferred To (Grantee/Buyer)

NameVerified Name
Address14667 HUNTCLIFF PARK WAY, ORLANDO, FL 32824-5677

Mortgage

Document Number0000025784
DateJan 12, 2018
Instrument20180025784
Lender
NameDHI MORTGAGE COMPANY LTD
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueFeb 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 16109 Pebble Bluff Loop, #LO was $6,072, up 1.8% from the year before.

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

Property Jurisdictions

TypeName
StateFlorida
CountyOrange County
Unified School DistrictOrange County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$334,430 (-1.13%) Land $75,000 Building $259,430$334,430 (-1.13%) Land $75,000 Building $259,430
2025$6,072.00 (+1.85%)$338,260 Land $75,000 Building $263,260$338,260 Land $75,000 Building $263,260
2024$5,962.00 (+25.97%)
2023$4,733.00 (+5.39%)$275,880 (-1.23%) Land $75,000 Building $200,880$275,880 (-1.23%) Land $75,000 Building $200,880
2022$4,491.00$279,317 Land $75,000 Building $204,317$279,317 Land $75,000 Building $204,317

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

Flood

FEMA maps place 16109 Pebble Bluff Loop, #LO in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2014.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 269 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies269 in force
Nearby Flood Claims4 (2014–2024)
Claims Outside the SFHA1 of 4
Most Recent ClaimOct 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 16109 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 RiskModerate
above 62% of the US · lower than 62% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
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 SystemOCUD/SOUTHERN WATER SYS (5 WPS)
serves 80,738 people · EPA ID FL3484119
Water SourceGroundwater
Last State InspectionMay 2024
Lead2 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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