1781 Rachels Ridge Loop, #LO, Ocoee, FL 34761 Property Records

Orange County property record for 1781 Rachels Ridge Loop, #LO, Ocoee, FL 34761

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,114 sqft · built 1998
Lot Size	0.198 acres (8,627 sqft)
Owner	2 Individual Names on Record
Last Sale	$195,000 (Jul 2016)
Tax Bill	$3,727 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-22-28-9064-00-220`

Property Details

APN / Parcel Number

Primary APN	`16-22-28-9064-00-220`
Alternative APNs	`282216906400220` `241221` `246059` `250633`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,114 sqft Living Area
Gross Area	2,643 sqft
1st Floor Area	2,114 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2000
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,627 sqft (0.198 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	109 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1781 RACHELS RIDGE LOOP, LO
City	OCOEE
State	FL
Zip	34761-9010
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	WEDGEWOOD COMMONS PHASE ONE 36/132 LOT 22
Legal Range	28E
Legal Township	22S
Legal Section	16
Legal Subdivision	WEDGEWOOD COMMONS PH 1
Legal Phase	1
Legal Tract	9064
Legal Lot Number	22
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	1
Census Block	1056
Census Tract	18100

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	1781 RACHELS RIDGE LOOP, OCOEE, FL 34761-9010
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage USAA
Nov 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage USAA
Dec 8, 2017	Deed of Trust, Mortgage · Conventional Mortgage SPRING EQ LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2016 · Amount on Record
Deed Sale	Jul 19, 2016 · Amount on Record
Deed Document Number	2016368591
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1781 RACHELS RIDGE LOOP, OCOEE, FL 34761-9010
Document Number	0000671685
Instrument Date	Dec 4, 2020
Transaction Type	Mortgage
Record Updated	Jan 8, 2021
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1781 RACHELS RIDGE LOOP OCOEE FL 347619010, OCOEE, FL 34761-9010

Mortgage

Document Number	0000671685
Date	Dec 23, 2020
Instrument	671685

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Dec 22, 2040

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1781 RACHELS RIDGE LOOP, OCOEE, FL 34761-9010
Document Number	0000012494
Instrument Date	Nov 17, 2020
Transaction Type	Mortgage
Record Updated	Jan 26, 2021
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1781 RACHELS RIDGE LOOP OCOEE FL 347619010, OCOEE, FL 34761-9010

Mortgage

Document Number	0000012494
Date	Jan 8, 2021
Instrument	12494

Lender

Name	USAA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1781 RACHELS RIDGE LOOP, OCOEE, FL 34761-9010
Document Number	0000679756
Instrument Date	Dec 8, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1781 RACHELS RIDGE LOOP OCOEE FL 347619010, OCOEE, FL 34761-9010

Mortgage

Document Number	0000679756
Date	Dec 14, 2017
Instrument	679756

Lender

Name	SPRING EQ LLC
Address	PHILADELPHIA, PA 19104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Dec 13, 2037

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$230,126 (+2.7%)	$369,890 (-1.32%) Land $80,000 Building $289,890
2025	$3,727.00 (+8.09%) Homeowner's exemption	$224,076 (+6.97%)	$374,820 (+19.1%) Land $80,000 Building $294,820
2024	$3,448.00 (+4.48%)
2023	$3,300.00 (+3.38%) Homeowner's exemption	$209,477 (+3%)	$314,717 (+13.43%) Land $80,000 Building $234,717
2022	$3,192.00 Homeowner's exemption	$203,376	$277,467 Land $80,000 Building $197,467

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 33 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	33 in force
Nearby Flood Claims	18 (1994–2019)
Claims Outside the SFHA	4 of 18
Most Recent Claim	May 2019 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Hurricane Frances, Sep 2004 · 4 claims Severe Storms, High Winds, Tornadoes, And Flooding, Dec 1997 · 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 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	OCOEE, CITY OF (2 WPS) serves 34,000 people · EPA ID FL3480204
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	Under 1 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	None 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 314 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Metronet, Verizon, Xfinity.

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