1645 E Spring Ridge Cir, Winter Garden, FL 34787 Property Records

Orange County property record for 1645 E Spring Ridge Cir, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,219 sqft · built 1997
Lot Size	0.23 acres (10,029 sqft)
Owner	Company Name on Record
Last Sale	$245,000 (Apr 2021)
Tax Bill	$3,718 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Apr 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`12-22-27-1845-01-330`

Property Details

APN / Parcel Number

Primary APN	`12-22-27-1845-01-330`
Alternative APNs	`272212184501330` `110880` `111530` `112813`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,219 sqft Living Area
Gross Area	1,683 sqft
1st Floor Area	1,219 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,029 sqft (0.23 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	64 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1645 E SPRING RIDGE CIR
City	WINTER GARDEN
State	FL
Zip	34787-2169
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	CROWN POINT SPRINGS UNIT 2 23/99 LOT 133
Legal Range	27E
Legal Township	22S
Legal Section	12
Legal Subdivision	CROWN POINT SPRINGS UT 2
Legal Tract	1845
Legal Block	1
Legal Lot Number	133
Legal Unit	2
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	3
Census Block	3007
Census Tract	17401

Owner

Source: Orange County records, as of July 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	1645 E SPRING RIDGE CIR, WINTER GARDEN, FL 34787-2169
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2021	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Apr 1, 2021	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Dec 14, 2018	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BK
Mar 8, 2017	Deed of Trust, Mortgage · Conventional Mortgage NORTH AMERICAN SVGS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 2021 · Amount on Record
Deed Sale	Apr 1, 2021 · Amount on Record
Prior Sale	May 16, 2012 · Amount on Record
Deed Document Number	2021185599
Record Updated	Sep 20, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Apr 1, 2021
Property Address	1645 E SPRING RIDGE CIR, WINTER GARDEN, FL 34787-2169
Document Number	20210185599
Map Reference	MB 23 PG 99&100
Instrument Date	Mar 30, 2021
Instrument	20210185599
Transaction Type	Transfer
Record Updated	Apr 23, 2021
Title Company	MEDALLION TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,715.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	522 N LAKEVIEW AVE, 522, WINTER GARDEN, FL 34787-2320

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1645 E SPRING RIDGE CIR, WINTER GARDEN, FL 34787-2169

Mortgage

Document Number	20210185600
Date	Apr 1, 2021
Instrument	20210185600

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Apr 1, 2021
Property Address	1645 E SPRING RIDGE CIR, WINTER GARDEN, FL 34787-2169
Document Number	0000185599
Map Reference	MB 23 PG 99&100
Instrument Date	Mar 30, 2021
Instrument	20210185599
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	MEDALLION TITLE SERVICES, MEDALLION TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,715.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	522 N LAKEVIEW AVE, 522, WINTER GARDEN, FL 34787-2320

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1645 E SPRING RIDGE CIR, WINTER GARDEN, FL 34787-2169

Mortgage

Document Number	0000185600
Date	Apr 1, 2021
Instrument	20210185600

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1645 E SPRING RIDGE CIR, WINTER GARDEN, FL 34787-2169
Document Number	0000731913
Instrument Date	Dec 14, 2018
Transaction Type	Mortgage
Record Updated	Jan 9, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 N LAKEVIEW AVE WINTER GARDEN FL 347872320, WINTER GARDEN, FL 34787-2320

Mortgage

Document Number	0000731913
Date	Dec 18, 2018
Instrument	731913

Lender

Name	FLAGSTAR BK
Type	Bank
Address	TROY, MI 48098-2639

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 17, 2048

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1645 E SPRING RIDGE CIR, WINTER GARDEN, FL 34787-2169
Document Number	0000137320
Instrument Date	Mar 8, 2017
Transaction Type	Mortgage
Record Updated	Apr 24, 2017
Title Company	TRANSTAR NATIONAL TITLE, TRANSTAR NAT'L TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 N LAKEVIEW AVE WINTER GARDEN FL 347872320, WINTER GARDEN, FL 34787-2320

Mortgage

Document Number	0000137320
Date	Mar 15, 2017
Instrument	137320

Lender

Name	NORTH AMERICAN SVGS BK
Type	Federal Savings Bank
Address	GRANDVIEW, MO 64030

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 14, 2047

Tax Assessment & Valuation

Source: Orange County assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Orange County
Municipality	Winter Garden City
Unified School District	Orange County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$276,026 (+2.7%)	$299,030 (-1.14%) Land $100,000 Building $199,030
2025	$3,718.00 (+5.33%) Homeowner's exemption	$268,769 (+5.99%)	$302,480 (+11.26%) Land $100,000 Building $202,480
2024	$3,530.00 (+3.85%)
2023	$3,399.00 (+3.19%) Homeowner's exemption	$253,586 (+3%)	$271,877 (+10.43%) Land $110,000 Building $161,877
2022	$3,294.00 Homeowner's exemption	$246,200 Land $110,000 Building $136,200	$246,200 Land $110,000 Building $136,200

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

Flood

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 Record median of 24 policies
Nearby Flood Policies	24 in force
Nearby Flood Claims	2 (2017)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach

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	WINTER GARDEN WATER DEPT (3 WPS) serves 72,205 people · EPA ID FL3481481
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 379 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink, Metronet.

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