17823 Gourd Neck Loop, Winter Garden, FL 34787 Property Records

Lake County property record for 17823 Gourd Neck Loop, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	8 bd · 5 ba · 5,365 sqft · built 2016
Lot Size	0.243 acres (10,603 sqft)
Owner	Individual Name on File
Last Sale	$354,400 (Jul 2017)
Tax Bill	$7,410 (2024)
Deeds & Mortgages	Nov 2021 Mortgage Feb 2022 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`24-22-26-0201-000-11100`

Property Details

APN / Parcel Number

Primary APN	`24-22-26-0201-000-11100`
Alternative APNs	`262224020100011100` `3894488`

Interior

Bedrooms	8 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	5,365 sqft Living Area
Gross Area	6,021 sqft
1st Floor Area	2,310 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2024
Exterior Material	Brick
Construction Type	Frame
Roof Material	Asphalt
Lot Area	10,603 sqft (0.243 acres)
Garage Type	Attached
Garage Area	656 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	374 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3894488
Street Address	17823 GOURD NECK LOOP
City	WINTER GARDEN
State	FL
Zip	34787-3088
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VERDE PARK PHASE 2 PB 66 PG 38-39 LOT 111 ORB 4929 PG 1550 ORB 4969 PG 126
Legal Range	26E
Legal Township	22S
Legal Section	24
Legal Subdivision	VERDE PARK PHASE 2
Legal Tract	B,D,F,I,O,
Legal Lot Number	111
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	1
Census Block	1019
Census Tract	31321

Owner

17823 Gourd Neck Loop is owned and occupied by an individual who bought it in July 2017.

Source: Lake County records, as of November 26, 2025

Owner of Record	Individual Name on File
Mailing Address	17823 GOURD NECK LOOP, WINTER GARDEN, FL 34787-3088
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
Nov 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
Feb 14, 2022	Deed of Trust, Mortgage · Line of Credit QUORUM FEDERAL CU
Dec 19, 2018	Deed of Trust, Mortgage · Conventional Mortgage NEW PENN FINANCIAL LLC
Dec 16, 2020	Grant Deed, Transfer NOT AVAILABLE
Jul 10, 2017	Quit Claim Deed, Transfer OLIVER TITLE LAW
Apr 13, 2017	Special Warranty Deed, Subdivision Related Transfer · ARM CITADEL SERVICING CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 10, 2017 · Amount on File
Deed Sale	Jul 10, 2017 · Amount on File
Prior Sale	Apr 13, 2017 · Amount on File
Deed Document Number	201773264
Deed Book / Page	4969 / 126
Prior Transfer Date	May 5, 2017
Prior Transfer Doc	0049690126
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	17823 GOURD NECK LOOP, WINTER GARDEN, FL 34787-3088
Transaction Type	Mortgage
Record Updated	May 18, 2023
Title Company	WATSON TITLE SERVICES INC, WATSON TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17823 GOURD NECK LOOP, WINTER GARDEN, FL 34787-3088

Mortgage

Document Number	0058401462
Date	Nov 18, 2021
Book Page	5840/1462
Instrument	2021160877

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

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

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	17823 GOURD NECK LOOP, WINTER GARDEN, FL 34787-3088
Transaction Type	Mortgage
Record Updated	May 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17823 GOURD NECK LOOP, WINTER GARDEN, FL 34787-3088

Mortgage

Document Number	0058960537
Date	Feb 14, 2022
Book Page	5896/537
Instrument	2022020718

Lender

Name	QUORUM FEDERAL CU
Type	Credit Union
Address	PURCHASE, NY 10577

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	17823 GOURD NECK LOOP, WINTER GARDEN, FL 34787-3088
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NORTH AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0052130230
Date	Dec 19, 2018
Book Page	5213/0230
Instrument	2018145860

Lender

Name	NEW PENN FINANCIAL LLC
Type	Mortgage Company
Address	PLYMOUTH MEETING, PA 19462

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2048

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LAKE FL
Recording Date	Dec 16, 2020
Property Address	17823 GOURD NECK LOOP, WINTER GARDEN, FL 34787-3088
Document Number	0056012460
Book / Page	005601 / 002460
Instrument Date	Dec 11, 2020
Instrument	141438
Transaction Type	Transfer
Record Updated	Dec 30, 2020
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17823 NECK LOOP DR WINTER GARDEN FL 34787, WINTER GARDEN, FL 34787

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE FL
Recording Date	Jul 10, 2017
Property Address	17823 GOURD NECK LOOP, WINTER GARDEN, FL 34787-3088
Document Number	0049690126
Book / Page	004969 / 000126
Instrument Date	May 5, 2017
Instrument	73264
Transaction Type	Transfer
Record Updated	Aug 1, 2017
Title Company	OLIVER TITLE LAW

Transaction

Amount	Amount on Record
Tax	$2,480.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17823 GOURD NECK LOOP WINTER GARDEN FL 347873088, WINTER GARDEN, FL 34787-3088

April 2017: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Apr 13, 2017
Property Address	17823 GOURD NECK LOOP, WINTER GARDEN, FL 34787-3088
Document Number	0049291550
Book / Page	4929 / 1550
Map Reference	MB 66 PG 38&39
Instrument Date	Apr 11, 2017
Instrument	2017040267
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 11, 2022
Title Company	CAREFREE TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,307.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5337 MILLENIA LAKES BLVD STE 410, 5337, ORLANDO, FL 32839-6302

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17823 GOURD NECK LOOP, WINTER GARDEN, FL 34787-3088

Mortgage

Document Number	2017040268
Date	Apr 13, 2017
Instrument	2017040268

Lender

Name	CITADEL SERVICING CORP
Type	Non-Lending Institution

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	May 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	7.62%
Type Change Date	May 1, 2024
Change Frequency	Annually
Min Rate At Change	7.62%
Max Rate At Change	9.62%
Index	1-Year CMT
Max Rate	13.6%

Tax Assessment & Valuation

Source: Lake County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Lake County
Unified School District	Lake County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$573,820 (+2.9%)	$882,414 (-0.19%) Land $222,750 Building $659,664
2025		$557,650 Land $222,750 Building $334,900	$884,077 Land $222,750 Building $661,327
2024	$7,410.00 (+4.81%)
2023	$7,070.00 (+4.8%) Homeowner's exemption	$526,160 (+3%)	$922,553 (+16.45%) Land $222,750 Building $699,803
2022	$6,746.00 Homeowner's exemption	$510,840	$792,201 Land $94,500 Building $697,701

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

Flood

FEMA maps place 17823 Gourd Neck Loop in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 20, 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 13 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	13 in force

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 17823 Gourd Neck Loop is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.03% 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	CLERMONT EAST WATER SYSTEM (2 WPS) serves 39,279 people · EPA ID FL3354779
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	Under 1 ppb (2025) 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 266 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: CenturyLink, Verizon.

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