16163 Pebble Bluff Loop, #LO, Winter Garden, FL 34787 Property Records

Orange County property record for 16163 Pebble Bluff Loop, #LO, Winter Garden, FL 34787

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 1,654 sqft · built 2018
Lot Size	0.82 acres (3,575 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Jun 2025)
Tax Bill	$6,682 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-24-27-7501-00-980`

Property Details

APN / Parcel Number

Primary APN	`07-24-27-7501-00-980`
Alternative APNs	`272407750100980` `163370` `164728` `167206`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,654 sqft Living Area
Gross Area	2,294 sqft
1st Floor Area	748 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Townhouse
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	3,575 sqft (0.82 acres)
Garage Type	Attached
Garage Area	294 sqft
Porch	Finished/Open Porch
Porch Area	130 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	16163 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 98
Legal Range	27E
Legal Township	24S
Legal Section	07
Legal Subdivision	WATERLEIGH PH 2A
Legal Phase	2A
Legal Lot Number	98
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 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	51 ELLINGTON CIR, ROCHESTER, NY 14612-3076
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2023	Deed of Trust, Mortgage · Conventional Mortgage OAKTREE FUNDING CORP
Apr 26, 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	Jun 18, 2025 · Amount on Record
Deed Sale	Jun 18, 2025 · Amount on Record
Prior Sale	Apr 26, 2018 · Amount on Record
Deed Document Number	2025356833
Prior Transfer Date	Apr 21, 2023
Prior Transfer Doc	0000240051
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	16163 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4966
Transaction Type	Mortgage
Record Updated	May 17, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9899 BEACH PORT DR, WINTER GARDEN, FL 34787-4493

Mortgage

Document Number	0000240052
Date	Apr 27, 2023
Instrument	20230240052

Lender

Name	OAKTREE FUNDING CORP
Type	Subprime Lender
Address	UPLAND, CA 91786

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

April 2018: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Apr 26, 2018
Property Address	16163 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4966
Document Number	0000249189
Map Reference	MB 92 PG 6-16
Instrument Date	Apr 19, 2018
Instrument	20180249189
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 3, 2022
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,753.50
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	16163 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4966

Mortgage

Document Number	0000249190
Date	Apr 26, 2018
Instrument	20180249190

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 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		$371,710 (-1.16%) Land $75,000 Building $296,710	$371,710 (-1.16%) Land $75,000 Building $296,710
2025	$6,682.00 (+1.66%)	$376,090 (+59.5%) Land $75,000 Building $301,090	$376,090 (+22.69%) Land $75,000 Building $301,090
2024	$6,573.00 (+85.63%)
2023	$3,541.00 (+4.42%) Homeowner's exemption	$235,796 (+3%)	$306,548 (-0.68%) Land $75,000 Building $231,548
2022	$3,391.00 Homeowner's exemption	$228,928	$308,646 Land $75,000 Building $233,646

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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