16211 Pebble Bluff Loop, #LO, Winter Garden, FL 34787 Property Records

Orange County property record for 16211 Pebble Bluff Loop, #LO, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,295 sqft · built 2018
Lot Size	0.12 acres (5,236 sqft)
Owner	2 Individual Names on Record
Last Sale	$310,990 (May 2018)
Tax Bill	$4,559 (2025)
Deeds & Mortgages	Jul 2020 Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-24-27-7501-01-960`

Property Details

APN / Parcel Number

Primary APN	`07-24-27-7501-01-960`
Alternative APNs	`272407750101960` `163490` `164848` `167325`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,295 sqft Living Area
Gross Area	3,322 sqft
1st Floor Area	1,263 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,236 sqft (0.12 acres)
Garage Type	Attached
Garage Area	471 sqft
Porch	Slab
Porch Area	294 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	16211 PEBBLE BLUFF LOOP, LO
City	WINTER GARDEN
State	FL
Zip	34787-4915
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	WATERLEIGH PHASE 2A 92/6 LOT 196
Legal Range	27E
Legal Township	24S
Legal Section	07
Legal Subdivision	WATERLEIGH PH 2A
Legal Phase	2A
Legal Block	1
Legal Lot Number	196
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1102
Census Tract	17111

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	16211 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4915
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2020	Deed of Trust, Mortgage · Conventional with PMI ATLANTIC HM LNDG
May 11, 2018	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FBC MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2018 · Amount on Record
Deed Sale	May 11, 2018 · Amount on Record
Deed Document Number	2018281621
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	16211 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4915
Document Number	0000386659
Instrument Date	Jul 13, 2020
Transaction Type	Mortgage
Record Updated	Aug 7, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	16211 PEBBLE BLUFF LOOP WINTER GARDEN FL 347874915, WINTER GARDEN, FL 34787-4915

Mortgage

Document Number	0000386659
Date	Jul 20, 2020
Instrument	386659

Lender

Name	ATLANTIC HM LNDG
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 19, 2050

May 2018: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	May 11, 2018
Property Address	16211 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4915
Document Number	0000281621
Map Reference	MB 92 PG 6-16
Instrument Date	Apr 30, 2018
Instrument	20180281621
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	$2,177.00
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	2726 SNOW GOOSE LN, LAKE MARY, FL 32746-7410

Mortgage

Document Number	0000281622
Date	May 11, 2018
Instrument	20180281622

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 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		$292,651 (+2.7%)	$495,080 (-8.53%) Land $110,000 Building $385,080
2025	$4,559.00 (+5.46%) Homeowner's exemption	$284,957 (+5.99%)	$541,260 (+10.51%) Land $110,000 Building $431,260
2024	$4,323.00 (+6.64%)
2023	$4,054.00 (+4.22%) Homeowner's exemption	$268,860 (+3%)	$489,784 (+16.96%) Land $110,000 Building $379,784
2022	$3,890.00 Homeowner's exemption	$261,029	$418,761 Land $100,000 Building $318,761

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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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