Orange County property record for 16295 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 | 0.12 acres (5,240 sqft) |
| Owner | Individual Name on File |
| Last Sale | $330,000 (May 2021) |
| Tax Bill | $5,930 (2025) |
| Deeds & Mortgages | Oct 2025 Second Mortgage May 2021 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-24-27-7501-01-770 |
| Primary APN | 07-24-27-7501-01-770 |
|---|---|
| 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 | 5,240 sqft (0.12 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 | 16295 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 177 |
| Legal Range | 27E |
| Legal Township | 24S |
| Legal Section | 07 |
| Legal Subdivision | WATERLEIGH PH 2A |
| Legal Phase | 2A |
| Legal Block | 1 |
| Legal Lot Number | 177 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 1 |
| Census Block | 1093 |
| Census Tract | 17111 |
16295 Pebble Bluff Loop, #LO is owned by an individual who bought it in May 2021.
Source: Orange County records, as of May 4, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 16295 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4971 |
| 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.
| Date | Document |
|---|---|
| Oct 29, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| May 21, 2021 | Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC |
| Jun 25, 2020 | Deed of Trust, Mortgage · VA Mortgage MR COOPER |
| Apr 22, 2019 | Deed of Trust, Mortgage · VA Mortgage MR COOPER |
| Jun 1, 2018 | Special Warranty Deed, Subdivision Related Transfer · VA Mortgage DHI MORTGAGE COMPANY LTD |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 21, 2021 · Amount on File |
| Deed Sale | May 21, 2021 · Amount on File |
| Prior Sale | Jun 1, 2018 · Amount on File |
| Deed Document Number | 2021308199 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 16295 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4971 |
| Transaction Type | Mortgage |
| Record Updated | Dec 5, 2025 |
| Name | Verified Name |
|---|---|
| Address | 16295 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4971 |
| Document Number | 0000628988 |
|---|---|
| Date | Oct 29, 2025 |
| Instrument | 20250628988 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | May 21, 2021 |
| Property Address | 16295 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4971 |
| Document Number | 20210308199 |
| Map Reference | MB 92 PG 6 |
| Instrument Date | May 9, 2021 |
| Instrument | 20210308199 |
| Transaction Type | Transfer |
| Record Updated | Jun 9, 2021 |
| Title Company | NORTH AMERICAN TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,310.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 151 7TH ST S # S315, 151, SAINT PETERSBURG, FL 33701-4013 |
| Name | Verified Name |
|---|---|
| Address | 16295 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4971 |
| Document Number | 20210308200 |
|---|---|
| Date | May 21, 2021 |
| Instrument | 20210308200 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 16295 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4971 |
| Document Number | 0000363160 |
| Instrument Date | Jun 25, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 30, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Address | 16295 PEBBLE BLUFF LOOP WINTER GARDEN FL 347874971, WINTER GARDEN, FL 34787-4971 |
| Document Number | 0000363160 |
|---|---|
| Date | Jul 6, 2020 |
| Instrument | 363160 |
| Name | MR COOPER |
|---|---|
| Address | DALLAS, TX 75019 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 5, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 16295 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4971 |
| Document Number | 0000267446 |
| Instrument Date | Apr 22, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 17, 2019 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Address | 16295 PEBBLE BLUFF LOOP WINTER GARDEN FL 347874971, WINTER GARDEN, FL 34787-4971 |
| Document Number | 0000267446 |
|---|---|
| Date | May 1, 2019 |
| Instrument | 267446 |
| Name | MR COOPER |
|---|---|
| Address | DALLAS, TX 75019 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 30, 2049 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Jun 1, 2018 |
| Property Address | 16295 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4971 |
| Document Number | 0000323129 |
| Map Reference | MB 92 PG 6-16 |
| Instrument Date | May 29, 2018 |
| Instrument | 20180323129 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 3, 2022 |
| Title Company | DHI TITLE OF FLORIDA INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,890.00 |
| 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 | 16295 PEBBLE BLUFF LOOP, WINTER GARDEN, FL 34787-4971 |
| Document Number | 0000323130 |
|---|---|
| Date | Jun 1, 2018 |
| Instrument | 20180323130 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2048 |
The 2025 property tax bill for 16295 Pebble Bluff Loop, #LO was $5,930, up 4.8% from the year before.
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 | $379,907 (+2.7%) | $400,530 (-7.97%) Land $110,000 Building $290,530 | |
| 2025 | $5,930.00 (+4.83%) Homeowner's exemption | $369,919 | $435,210 Land $110,000 Building $325,210 |
| 2024 | $5,657.00 (+6.8%) | ||
| 2023 | $5,297.00 (+3.84%) Homeowner's exemption | $349,023 (+3%) | $394,583 (+16.45%) Land $110,000 Building $284,583 |
| 2022 | $5,101.00 Homeowner's exemption | $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.
FEMA maps place 16295 Pebble Bluff Loop, #LO in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 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 |
|
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 risk around 16295 Pebble Bluff Loop, #LO is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.
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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