Orange County property record for 16229 Pebble Bluff Loop, #LO, Winter Garden, FL 34787
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,685 sqft · built 2018 |
| Lot Size | 0.121 acres (5,265 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $350,000 (Jul 2026) |
| Tax Bill | $7,243 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Jul 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-24-27-7501-01-930 |
| Primary APN | 07-24-27-7501-01-930 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,685 sqft Living Area |
| Gross Area | 2,311 sqft |
| 1st Floor Area | 1,685 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,265 sqft (0.121 acres) |
| Garage Type | Attached |
| Garage Area | 442 sqft |
| Porch | Slab |
| Porch Area | 184 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 16229 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 193 |
| Legal Range | 27E |
| Legal Township | 24S |
| Legal Section | 07 |
| Legal Subdivision | WATERLEIGH PH 2A |
| Legal Phase | 2A |
| Legal Block | 1 |
| Legal Lot Number | 193 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 1 |
| Census Block | 1102 |
| Census Tract | 17111 |
Source: Orange County records, as of July 14, 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 | 16229 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4915 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jul 1, 2026 | Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA |
| Jul 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage METRO CITY BANK |
| Nov 4, 2020 | Warranty Deed, Transfer TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Aug 28, 2019 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| May 15, 2018 | Grant Deed, Subdivision Related Transfer · FHA Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 1, 2026 · Amount on Record |
| Deed Sale | Jul 1, 2026 · Amount on Record |
| Prior Sale | Nov 4, 2020 · Amount on Record |
| Deed Document Number | 2026365632 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Jul 1, 2026 |
| Property Address | 16229 PEBBLE BLUFF LOOP, LO, WINTER GARDEN, FL 34787-4915 |
| Document Number | 0000365632 |
| Instrument Date | Jun 29, 2026 |
| Instrument | 2026365632 |
| Transaction Type | Transfer |
| Record Updated | Jul 14, 2026 |
| Title Company | SIMPLE TITLE, SIMPLIFILE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $247,450.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 16229 PEBBLE BLUFF LOOP, LO, WINTER GARDEN, FL 34787-4915 |
| Document Number | 0000365633, |
|---|---|
| Date | Jul 1, 2026 |
| Instrument | 2026365633 |
| Name | BANK OF AMERICA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.51% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 16229 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4915 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2021 |
| Name | Verified Name |
|---|---|
| Address | 9988 BEACH PORT DR, WINTER GARDEN, FL 34787-4494 |
| Document Number | 20210410961 |
|---|---|
| Date | Jul 9, 2021 |
| Instrument | 20210410961 |
| Name | METRO CITY BANK |
|---|---|
| Type | Bank |
| Address | ATLANTA, GA 30340 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Aug 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Nov 4, 2020 |
| Property Address | 16229 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4915 |
| Document Number | 0000574116 |
| Instrument Date | Oct 30, 2020 |
| Instrument | 574116 |
| Transaction Type | Transfer |
| Record Updated | Nov 17, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,296.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 9988 BEACH PORT DR WINTER GARDEN FL 347874494, WINTER GARDEN, FL 34787-4494 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 16229 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4915 |
| Document Number | 0000551648 |
| Instrument Date | Aug 28, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 20, 2019 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 16229 PEBBLE BLUFF LOOP WINTER GARDEN FL 347874915, WINTER GARDEN, FL 34787-4915 |
| Document Number | 0000551648 |
|---|---|
| Date | Sep 6, 2019 |
| Instrument | 551648 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 5, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | May 15, 2018 |
| Property Address | 16229 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4915 |
| Document Number | 0000286535 |
| Instrument Date | May 7, 2018 |
| Instrument | 286535 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Sep 10, 2019 |
| Title Company | DHI TITLE/FL INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,837.78 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 16229 PEBBLE BLUFF LOOP WINTER GARDEN FL 34787, WINTER GARDEN, FL 34787 |
| Document Number | 286536 |
|---|---|
| Date | May 15, 2018 |
| Instrument | 286536 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | 26642 TOWNE CENTRE DR, FOOTHILL RANCH, CA 92610-2808 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 14, 2048 |
Source: Orange County assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Unified School District | Orange County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $400,530 (+1.5%) Land $110,000 Building $290,530 | $400,530 (-7.97%) Land $110,000 Building $290,530 | |
| 2025 | $7,243.00 (+8.35%) | $394,609 (+0.01%) | $435,210 (+10.3%) Land $110,000 Building $325,210 |
| 2024 | $6,685.00 (+11.47%) | ||
| 2023 | $5,997.00 (+12.49%) | $394,583 (+16.45%) Land $110,000 Building $284,583 | $394,583 (+16.45%) Land $110,000 Building $284,583 |
| 2022 | $5,331.00 | $338,857 Land $100,000 Building $238,857 | $338,857 Land $100,000 Building $238,857 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 57% of the US · lower than 71% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 348 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 |
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