16748 Rusty Anchor Rd, Winter Garden, FL 34787 Property Records

Orange County property record for 16748 Rusty Anchor Rd, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,498 sqft · built 2019
Lot Size	0.201 acres (8,754 sqft)
Owner	2 Individual Names on File
Last Sale	$650,000 (May 2021)
Tax Bill	$10,050 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-23-27-8900-00-560`

Property Details

APN / Parcel Number

Primary APN	`05-23-27-8900-00-560`
Alternative APNs	`272305890000560` `135071` `135927` `137443`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,498 sqft Living Area
Gross Area	4,890 sqft
1st Floor Area	2,934 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	8,754 sqft (0.201 acres)
Garage Type	Attached
Garage Area	651 sqft
Porch	Finished/Open Porch
Porch Area	303 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	16748 RUSTY ANCHOR RD
City	WINTER GARDEN
State	FL
Zip	34787-0018
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	UVPUD
Legal Description	WATERSIDE ON JOHNS LAKE - PHASE 1 82/74 LOT 56
Legal Range	27E
Legal Township	23S
Legal Section	05
Legal Subdivision	WATERSIDE ON JOHNS LAKE - PH 1
Legal Phase	1
Legal Tract	8900
Legal Lot Number	56
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1038
Census Tract	17116

Owner

16748 Rusty Anchor Rd is owned and occupied by two individuals who bought it in May 2021.

Source: Orange County records, as of April 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	16748 RUSTY ANCHOR RD, WINTER GARDEN, FL 34787-0018
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.

Deeds, Mortgages & Sale History

Date	Document
May 12, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERIFIRST FIN'L CORP
Jul 12, 2019	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2021 · Amount on File
Deed Sale	May 12, 2021 · Amount on File
Prior Sale	Jul 12, 2019 · Amount on File
Deed Document Number	2021286658
Record Updated	Jun 8, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	May 12, 2021
Property Address	16748 RUSTY ANCHOR RD, WINTER GARDEN, FL 34787-0018
Document Number	20210286658
Map Reference	MB 82 PG 74-80
Instrument Date	May 10, 2021
Instrument	20210286658
Transaction Type	Transfer
Record Updated	Jun 2, 2021
Title Company	ANZ TITLE AND SETTLEMENT LLC, ADS TITLE & SETTLEMENT LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,550.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16748 RUSTY ANCHOR RD, 16748, WINTER GARDEN, FL 34787-0018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16748 RUSTY ANCHOR RD, WINTER GARDEN, FL 34787-0018

Mortgage

Document Number	20210286659
Date	May 12, 2021
Instrument	20210286659

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	16748 RUSTY ANCHOR RD, WINTER GARDEN, FL 34787-0018
Document Number	0000540830
Instrument Date	Oct 9, 2020
Transaction Type	Mortgage
Record Updated	Nov 4, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	16748 RUSTY ANCHOR RD WINTER GARDEN FL 347870018, WINTER GARDEN, FL 34787-0018

Mortgage

Document Number	0000540830
Date	Oct 16, 2020
Instrument	540830

Lender

Name	AMERIFIRST FIN'L CORP
Address	KALAMAZOO, MI 49002

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 15, 2050

July 2019: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jul 12, 2019
Property Address	16748 RUSTY ANCHOR RD, WINTER GARDEN, FL 34787-0018
Document Number	0000427253
Map Reference	MB 82 PG 74
Instrument Date	Jul 2, 2019
Instrument	20190427253
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 3, 2022
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,873.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2300 MAITLAND CENTER PKWY STE 320, 2300, MAITLAND, FL 32751-7412

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16748 RUSTY ANCHOR ROAD, GROVELAND, FL 34736

Mortgage

Document Number	0000427254
Date	Jul 12, 2019
Instrument	20190427254

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 16748 Rusty Anchor Rd was $10,050, 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
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		$675,078 (+2.7%)	$873,970 (+4.43%) Land $161,500 Building $712,470
2025	$10,050.00 (+5.19%) Homeowner's exemption	$657,330	$836,880 Land $114,000 Building $722,880
2024	$9,554.00 (+3.49%)
2023	$9,232.00 (+2.83%) Homeowner's exemption	$620,199 (+3%)	$750,259 (+19.27%) Land $114,000 Building $636,259
2022	$8,978.00 Homeowner's exemption	$602,135	$629,049 Land $95,000 Building $534,049

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

Flood

FEMA maps place 16748 Rusty Anchor Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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 66 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	66 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2017 · Hurricane Irma

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 16748 Rusty Anchor Rd is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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
Also Mapped Here	OCUD/SOUTHERN WATER SYS (5 WPS)
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 193 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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