Orange County property record for 1631 Oneco Ave, Winter Park, FL 32789
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4.5 ba · 3,165 sqft · built 2022 |
| Lot Size | 0.236 acres (10,269 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,576,500 (Mar 2022) |
| Tax Bill | $21,967 (2025) |
| Deeds & Mortgages | Mar 2022 Sale Apr 2021 Sale & Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 32-21-30-9418-01-040 |
| Primary APN | 32-21-30-9418-01-040 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,165 sqft Living Area |
| Gross Area | 4,646 sqft |
| 1st Floor Area | 2,199 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,269 sqft (0.236 acres) |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 292 sqft |
| Patio Area | 206 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 1631 ONECO AVE |
|---|---|
| City | WINTER PARK |
| State | FL |
| Zip | 32789-1637 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1A |
| Legal Description | WINTER PARK HEIGHTS Y/124 LOT 4 BLK A |
| Legal Range | 30E |
| Legal Township | 21S |
| Legal Section | 32 |
| Legal Subdivision | WINTER PARK HGTS |
| Legal Tract | 9418 |
| Legal Block | A |
| Legal Lot Number | 4 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | ORLANDO |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 15802 |
1631 Oneco Ave is owned and occupied by two individuals who bought it in March 2022.
Source: Orange County records, as of May 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1631 ONECO AVE, WINTER PARK, FL 32789-1637 |
| Occupancy | Owner Occupied |
| 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 |
|---|---|
| Mar 24, 2022 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Apr 16, 2021 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage TD BANK NA |
| Apr 16, 2021 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage TD BANK NA |
| Oct 6, 2020 | Loan Modification, Mortgage TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Jul 31, 2020 | Warranty Deed, Transfer DOMINION TITLE CORPORATION, DOMINION TITLE CORP |
| Dec 27, 2019 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Sep 25, 2018 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 24, 2022 · Amount on File |
| Deed Sale | Mar 24, 2022 · Amount on File |
| Prior Sale | Apr 16, 2021 · Amount on File |
| Deed Document Number | 2022189921 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Mar 24, 2022 |
| Property Address | 1631 ONECO AVE, WINTER PARK, FL 32789-1637 |
| Document Number | 0000189921 |
| Map Reference | MB Y PG 124 |
| Instrument Date | Mar 18, 2022 |
| Instrument | 20220189921 |
| Transaction Type | Transfer |
| Record Updated | Feb 1, 2024 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Tax | $11,035.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1101 SYMONDS AVE STE 400, 400, WINTER PARK, FL 32789-3866 |
| Name | Verified Name |
|---|---|
| Address | 1631 ONECO AVE, WINTER PARK, FL 32789-1637 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Apr 16, 2021 |
| Property Address | 1631 ONECO AVE, WINTER PARK, FL 32789-1637 |
| Document Number | 20210229368 |
| Map Reference | MB Y PG 124 |
| Instrument Date | Apr 9, 2021 |
| Instrument | 20210229368 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 5, 2021 |
| Title Company | NOT AVAILABLE, DOMINION TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Tax | $2,940.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 547103, ORLANDO, FL 32854-7103 |
| Name | Verified Name |
|---|---|
| Address | 2132 LOBELIA DR, LAKE MARY, FL 32746-2678 |
| Document Number | 20210229369 |
|---|---|
| Date | Apr 16, 2021 |
| Instrument | 20210229369 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.75% |
| Type Change Date | May 1, 2028 |
| Change Frequency | Monthly |
| Min Rate At Change | 3% |
| Max Rate At Change | 7.75% |
| Index | Other |
| Margin | 3 |
| Max Rate | 7.75% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Apr 16, 2021 |
| Property Address | 1631 ONECO AVE, WINTER PARK, FL 32789-1637 |
| Document Number | 0000229368 |
| Map Reference | MB Y PG 124 |
| Instrument Date | Apr 9, 2021 |
| Instrument | 20210229368 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 1, 2024 |
| Title Company | NOT AVAILABLE, DOMINION TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Tax | $2,940.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 547103, ORLANDO, FL 32854-7103 |
| Name | Verified Name |
|---|---|
| Address | 2132 LOBELIA DR, LAKE MARY, FL 32746-2678 |
| Document Number | 0000229369 |
|---|---|
| Date | Apr 16, 2021 |
| Instrument | 20210229369 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.75% |
| Type Change Date | May 1, 2028 |
| Change Frequency | Monthly |
| Min Rate At Change | 3% |
| Max Rate At Change | 7.75% |
| Index | Other |
| Margin | 3 |
| Max Rate | 7.75% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 1631 ONECO AVE, WINTER PARK, FL 32789-1637 |
| Document Number | 0000525001 |
| Instrument Date | Oct 6, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 547103 ORLANDO FL 328547103, ORLANDO, FL 32854-7103 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Jul 31, 2020 |
| Property Address | 1631 ONECO AVE, WINTER PARK, FL 32789-1637 |
| Document Number | 0000405600 |
| Instrument Date | Jul 30, 2020 |
| Instrument | 405600 |
| Transaction Type | Transfer |
| Record Updated | Aug 13, 2020 |
| Title Company | DOMINION TITLE CORPORATION, DOMINION TITLE CORP |
| Amount | Amount on Record |
|---|---|
| Tax | $2,835.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 547103 ORLANDO FL 328547103, ORLANDO, FL 32854-7103 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 1631 ONECO AVE, WINTER PARK, FL 32789-1637 |
| Document Number | 0000016225 |
| Instrument Date | Dec 27, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 31, 2020 |
| Title Company | WFG LENDER SERVICES, WFG LENDER SVCS |
| Name | Verified Name |
|---|---|
| Address | 1631 ONECO AVE WINTER PARK FL 327891637, WINTER PARK, FL 32789-1637 |
| Document Number | 0000016225 |
|---|---|
| Date | Jan 9, 2020 |
| Instrument | 16225 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 8, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 1631 ONECO AVE, WINTER PARK, FL 32789-1637 |
| Document Number | 0000589823 |
| Instrument Date | Sep 25, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2018 |
| Title Company | AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 1631 ONECO AVE WINTER PARK FL 327891637, WINTER PARK, FL 32789-1637 |
| Document Number | 0000589823 |
|---|---|
| Date | Oct 5, 2018 |
| Instrument | 589823 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 4, 2048 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 1631 Oneco Ave was $21,967, up 2.8% from the year before.
Source: Orange County assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Municipality | Winter Park City |
| Unified School District | Orange County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,509,655 (+2.7%) | $1,563,510 (-1.11%) Land $400,000 Building $1,163,510 | |
| 2025 | $21,967.00 (+2.76%) Homeowner's exemption | $1,469,966 | $1,581,100 Land $400,000 Building $1,181,100 |
| 2024 | $21,378.00 (+3.27%) | ||
| 2023 | $20,702.00 (+243.6%) Homeowner's exemption | $1,386,930 (+255.62%) Land $400,000 Building $986,930 | $1,386,930 (+255.62%) Land $400,000 Building $986,930 |
| 2022 | $6,025.00 | $390,000 Land $390,000 | $390,000 Land $390,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 1631 Oneco Ave in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2022.
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 21 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 21 in force |
| Nearby Flood Claims | 3 (2022–2024) |
| Claims Outside the SFHA | 3 of 3 |
| 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 1631 Oneco Ave is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond 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 | WINTER PARK, CITY OF (3 WPS) serves 82,984 people · EPA ID FL3481482 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2025 |
| Lead | 1 ppb (2023) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Apr 2021 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 510 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber · DSL in parts of the area | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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