16802 Rusty Anchor Rd, Winter Garden, FL 34787 Property Records

Orange County property record for 16802 Rusty Anchor Rd, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,513 sqft · built 2018
Lot Size	0.221 acres (9,631 sqft)
Owner	2 Individual Names on File
Last Sale	$615,000 (Jun 2019)
Tax Bill	$8,650 (2025)
Deeds & Mortgages	Jun 2019 Sale & Mortgage Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-23-27-8900-00-650`

Property Details

APN / Parcel Number

Primary APN	`05-23-27-8900-00-650`
Alternative APNs	`272305890000650` `135083` `135939` `137453`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,513 sqft Living Area
Gross Area	4,879 sqft
1st Floor Area	2,934 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	9,631 sqft (0.221 acres)
Garage Type	Attached
Garage Area	651 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	289 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	16802 RUSTY ANCHOR RD
City	WINTER GARDEN
State	FL
Zip	34787-0020
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	UVPUD
Legal Description	WATERSIDE ON JOHNS LAKE - PHASE 1 82/74 LOT 65
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	65
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1038
Census Tract	17116

Owner

16802 Rusty Anchor Rd is owned and occupied by two individuals who bought it in June 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	16802 RUSTY ANCHOR RD, WINTER GARDEN, FL 34787-0020
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
Jun 25, 2019	Warranty Deed, Transfer BRANCH BK&TR
Mar 20, 2018	Grant Deed, Subdivision Related Transfer · Conventional Mortgage F&B ACQUISITION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2019 · Amount on File
Deed Sale	Jun 25, 2019 · Amount on File
Prior Sale	Mar 20, 2018 · Amount on File
Deed Document Number	2019387236
Record Updated	Jun 8, 2026

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jun 25, 2019
Property Address	16802 RUSTY ANCHOR RD, WINTER GARDEN, FL 34787-0020
Document Number	0000387236
Instrument Date	Jun 21, 2019
Instrument	387236
Transaction Type	Transfer
Record Updated	Sep 10, 2019
Title Company	NETWORK CLOSING SERVICES INC, NETWORK CLOSING SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,305.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	16802 RUSTY ANCHOR RD WINTER GARDEN FL 347870020, WINTER GARDEN, FL 34787-0020

Mortgage

Document Number	387237
Date	Jun 25, 2019
Instrument	387237

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 24, 2049

March 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE FL
Recording Date	Mar 20, 2018
Property Address	16802 RUSTY ANCHOR RD, WINTER GARDEN, FL 34787-0020
Document Number	0000160302
Instrument Date	Mar 19, 2018
Instrument	160302
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 10, 2019
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,955.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	16802 RUSTY ANCHOR RD WINTER GARDEN FL 347870020, WINTER GARDEN, FL 34787-0020

Mortgage

Document Number	160303
Date	Mar 20, 2018
Instrument	160303

Lender

Name	F&B ACQUISITION
Address	SAINT LOUIS, MO 63131

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 19, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 16802 Rusty Anchor Rd was $8,650, 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		$586,882 (+2.7%)	$879,850 (+4.4%) Land $161,500 Building $718,350
2025	$8,650.00 (+5.19%) Homeowner's exemption	$571,453	$842,800 Land $114,000 Building $728,800
2024	$8,223.00 (+3.53%)
2023	$7,943.00 (+2.86%) Homeowner's exemption	$539,173 (+3%)	$756,556 (+19%) Land $114,000 Building $642,556
2022	$7,722.00 Homeowner's exemption	$523,469	$635,754 Land $95,000 Building $540,754

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

Flood

FEMA maps place 16802 Rusty Anchor Rd 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 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 16802 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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