16271 Pebble Bluff Loop, #LO, Winter Garden, FL 34787 Property Records

Orange County property record for 16271 Pebble Bluff Loop, #LO, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,019 sqft · built 2018
Lot Size	0.158 acres (6,875 sqft)
Owner	2 Individual Names on File
Last Sale	$318,490 (Jun 2018)
Tax Bill	$5,119 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-24-27-7501-01-860`

Property Details

APN / Parcel Number

Primary APN	`07-24-27-7501-01-860`
Alternative APNs	`272407750101860` `163477` `164835` `167312`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,019 sqft Living Area
Gross Area	3,048 sqft
1st Floor Area	1,160 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	6,875 sqft (0.158 acres)
Garage Type	Attached
Garage Area	518 sqft
Porch	Slab
Porch Area	280 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	16271 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 186
Legal Range	27E
Legal Township	24S
Legal Section	07
Legal Subdivision	WATERLEIGH PH 2A
Legal Phase	2A
Legal Block	1
Legal Lot Number	186
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1102
Census Tract	17111

Owner

16271 Pebble Bluff Loop, #LO is owned by two individuals who bought it in June 2018.

Source: Orange County records, as of May 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	16271 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4915
Owner Type	Individual

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

Date	Document
Feb 11, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jun 28, 2018	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2018 · Amount on File
Deed Sale	Jun 28, 2018 · Amount on File
Deed Document Number	2018384878
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	16271 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4915
Transaction Type	Mortgage
Record Updated	Feb 26, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210082460
Date	Feb 11, 2021
Instrument	20210082460

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	330 Months
Due	Aug 1, 2048

June 2018: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jun 28, 2018
Property Address	16271 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4915
Document Number	0000384878
Map Reference	MB 92 PG 6-16
Instrument Date	Jun 22, 2018
Instrument	20180384878
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 3, 2022
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,229.50
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	16271 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4915

Mortgage

Document Number	0000384879
Date	Jun 28, 2018
Instrument	20180384879

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 16271 Pebble Bluff Loop, #LO was $5,119, up 5.2% from the year before.

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		$328,273 (+2.7%)	$453,980 (-8.38%) Land $110,000 Building $343,980
2025	$5,119.00 (+5.16%) Homeowner's exemption	$319,643	$495,520 Land $110,000 Building $385,520
2024	$4,868.00 (+6.71%)
2023	$4,562.00 (+4.04%) Homeowner's exemption	$301,587 (+3%)	$449,395 (+16.77%) Land $110,000 Building $339,395
2022	$4,385.00 Homeowner's exemption	$292,803	$384,853 Land $100,000 Building $284,853

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

Flood

FEMA maps place 16271 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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 16271 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 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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