16786 Turtle Hatch Dr, Winter Garden, FL 34787 Property Records

Orange County property record for 16786 Turtle Hatch Dr, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,498 sqft · built 2020
Lot Size	0.201 acres (8,775 sqft)
Owner	Individual Name on File
Last Sale	$1,225,000 (Jul 2024)
Tax Bill	$14,664 (2025)
Deeds & Mortgages	Mar 2023 Second Mortgage Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-23-27-8900-00-970`

Property Details

APN / Parcel Number

Primary APN	`05-23-27-8900-00-970`
Alternative APNs	`272305890000970` `135121` `135978` `137492`

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	4,963 sqft
1st Floor Area	2,934 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	8,775 sqft (0.201 acres)
Garage Type	Attached
Garage Area	651 sqft

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Porch	Finished/Open Porch
Porch Area	387 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	16786 TURTLE HATCH DR
City	WINTER GARDEN
State	FL
Zip	34787-0021
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	UVPUD
Legal Description	WATERSIDE ON JOHNS LAKE - PHASE 1 82/74 LOT 97
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	97
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1052
Census Tract	17116

Owner

16786 Turtle Hatch Dr is owned and occupied by an individual who bought it in July 2024.

Source: Orange County records, as of April 30, 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	Individual Name on File
Mailing Address	16786 TURTLE HATCH DR, WINTER GARDEN, FL 34787-0021
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DELTA COMMUNITY CU
Nov 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage DELTA COMMUNITY CU
Mar 23, 2020	Grant Deed, Subdivision Related Transfer · Conventional Mortgage EAGLE HM MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 2, 2024 · Amount on File
Deed Sale	Jul 2, 2024 · Amount on File
Prior Sale	Apr 2, 2020 · Amount on File
Deed Document Number	2024384173
Record Updated	Jun 8, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	16786 TURTLE HATCH DR, WINTER GARDEN, FL 34787-0021
Transaction Type	Mortgage
Record Updated	Apr 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16786 TURTLE HATCH DR, WINTER GARDEN, FL 34787-0021
Investor	Possibly a Property Investor

Mortgage

Document Number	0000165244
Date	Mar 24, 2023
Instrument	20230165244

Lender

Name	DELTA COMMUNITY CU
Type	Credit Union
Address	PEACHTREE CITY, GA 30269

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Apr 1, 2033

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	16786 TURTLE HATCH DR, WINTER GARDEN, FL 34787-0021
Transaction Type	Mortgage
Record Updated	Jan 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16786 TURTLE HATCH DR, WINTER GARDEN, FL 34787-0021

Mortgage

Document Number	0000679645
Date	Nov 4, 2021
Instrument	20210679645

Lender

Name	DELTA COMMUNITY CU
Type	Credit Union
Address	PEACHTREE CITY, GA 30269

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 1, 2036

March 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE FL
Recording Date	Mar 23, 2020
Property Address	16786 TURTLE HATCH DR, WINTER GARDEN, FL 34787-0021
Document Number	0000180113
Instrument Date	Mar 5, 2020
Instrument	180113
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 30, 2020
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,395.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	16786 TURTLE HATCH DR WINTER GARDEN FL 347870021, WINTER GARDEN, FL 34787-0021

Mortgage

Document Number	180114
Date	Mar 23, 2020
Instrument	180114

Lender

Name	EAGLE HM MTG
Type	Mortgage Company
Address	MIAMI, FL 33172-3139

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 22, 2050

Mortgage

Document Number	180115,
Date	Mar 23, 2020
Instrument	180115

Lender

Name	EAGLE HM MTG
Type	Mortgage Company
Address	MIAMI, FL 33172-3139

Agreement

Amount	Amount on Record
Term	180 Months
Due	Mar 22, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 16786 Turtle Hatch Dr was $14,664, up 64.4% 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		$938,070 (+4.23%) Land $170,000 Building $768,070	$938,070 (+4.23%) Land $170,000 Building $768,070
2025	$14,664.00 (+64.43%) Homeowner's exemption	$900,000 Land $120,000 Building $780,000	$900,000 Land $120,000 Building $780,000
2024	$8,918.00 (+3.51%)
2023	$8,616.00 (+2.84%) Homeowner's exemption	$581,465 (+3%)	$795,997 (+18.21%) Land $120,000 Building $675,997
2022	$8,378.00 Homeowner's exemption	$564,529	$673,351 Land $100,000 Building $573,351

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 16786 Turtle Hatch Dr 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 16786 Turtle Hatch Dr 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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