Orange County property record for 16289 Pebble Bluff Loop, #LO, Winter Garden, FL 34787
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,019 sqft · built 2018 |
| Lot Size | 0.12 acres (5,240 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $313,675 (Jul 2018) |
| Tax Bill | $5,037 (2025) |
| Deeds & Mortgages | Apr 2022 Mortgage Oct 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-24-27-7501-01-780 |
| Primary APN | 07-24-27-7501-01-780 |
|---|---|
| Alternative APNs |
|
| 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 |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,240 sqft (0.12 acres) |
| Garage Type | Attached |
| Garage Area | 518 sqft |
| Porch | Slab |
| Porch Area | 280 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 16289 PEBBLE BLUFF LOOP, LO |
|---|---|
| City | WINTER GARDEN |
| State | FL |
| Zip | 34787-4971 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | P-D |
| Legal Description | WATERLEIGH PHASE 2A 92/6 LOT 178 |
| Legal Range | 27E |
| Legal Township | 24S |
| Legal Section | 07 |
| Legal Subdivision | WATERLEIGH PH 2A |
| Legal Phase | 2A |
| Legal Block | 1 |
| Legal Lot Number | 178 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 1 |
| Census Block | 1093 |
| Census Tract | 17111 |
Source: Orange County records, as of May 4, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 16289 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4971 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 11, 2022 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Oct 5, 2021 | Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB |
| Jul 23, 2018 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage EQUITY PRIME MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 23, 2018 · Amount on Record |
| Deed Sale | Jul 23, 2018 · Amount on Record |
| Deed Document Number | 2018432364 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 16289 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4971 |
| Transaction Type | Mortgage |
| Record Updated | Apr 27, 2022 |
| Name | Verified Name |
|---|---|
| Address | 16289 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4971 |
| Document Number | 0000234910 |
|---|---|
| Date | Apr 11, 2022 |
| Instrument | 20220234910 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 16289 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4971 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 16289 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4971 |
| Document Number | 20210607332 |
|---|---|
| Date | Oct 5, 2021 |
| Instrument | 20210607332 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, FL 32202 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 322 Months |
| Due | Aug 1, 2048 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Jul 23, 2018 |
| Property Address | 16289 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4971 |
| Document Number | 0000432364 |
| Map Reference | MB 92 PG 6-16 |
| Instrument Date | Jul 20, 2018 |
| Instrument | 20180432364 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 3, 2022 |
| Title Company | DHI TITLE OF FLORIDA INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,195.90 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6200 LEE VISTA BLVD STE 400, 6200, ORLANDO, FL 32822-5149 |
| Name | Verified Name |
|---|---|
| Address | 16289 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4971 |
| Document Number | 0000432365 |
|---|---|
| Date | Jul 23, 2018 |
| Instrument | 20180432365 |
| Name | EQUITY PRIME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 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 | $323,042 (+2.7%) | $457,210 (-8.35%) Land $110,000 Building $347,210 | |
| 2025 | $5,037.00 (+5.2%) Homeowner's exemption | $314,549 (+5.99%) | $498,890 (+10.3%) Land $110,000 Building $388,890 |
| 2024 | $4,788.00 (+6.71%) | ||
| 2023 | $4,487.00 (+4.06%) Homeowner's exemption | $296,781 (+3%) | $452,314 (+16.78%) Land $110,000 Building $342,314 |
| 2022 | $4,312.00 Homeowner's exemption | $288,137 | $387,312 Land $100,000 Building $287,312 |
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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