181 W Morgan St, Winter Garden, FL 34787 Property Records

Orange County property record for 181 W Morgan St, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,753 sqft · built 1992
Lot Size	0.297 acres (12,941 sqft)
Owner	2 Individual Names on File
Last Sale	$265,000 (Jan 2021)
Tax Bill	$6,049 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23-22-27-8104-00-100`

Property Details

APN / Parcel Number

Primary APN	`23-22-27-8104-00-100`
Alternative APNs	`272223810400100` `120156` `120939` `122315`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,753 sqft Living Area
Gross Area	2,278 sqft
1st Floor Area	1,753 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,941 sqft (0.297 acres)
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	42 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	181 W MORGAN ST
City	WINTER GARDEN
State	FL
Zip	34787-3891
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	G T SMITH SUB NO 4 L/120 LOT 10 & W 40 FT OF LOT 9
Legal Range	27E
Legal Township	22S
Legal Section	23
Legal Subdivision	SMITH G T SUB NO 4
Legal Tract	8104
Legal Lot Number	10,9
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	4
Census Block	4023
Census Tract	17302

Owner

181 W Morgan St is owned and occupied by two individuals who bought it in January 2021.

Source: Orange County records, as of May 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	181 W MORGAN ST, WINTER GARDEN, FL 34787-3891
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
Jan 6, 2021	Warranty Deed, Transfer · Conventional Mortgage NOVUS HOME MORTGAGE
Jun 3, 2020	Deed of Trust, Mortgage · Conventional with PMI MR COOPER
May 1, 2018	Warranty Deed, Transfer · Conventional with PMI EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 6, 2021 · Amount on File
Deed Sale	Jan 6, 2021 · Amount on File
Prior Sale	May 1, 2018 · Amount on File
Deed Document Number	20216664
Record Updated	Oct 29, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jan 6, 2021
Property Address	181 W MORGAN ST, WINTER GARDEN, FL 34787-3891
Document Number	0000006664
Map Reference	MB L PG 120
Instrument Date	Dec 7, 2020
Instrument	20210006664
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	CELEBRATION TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,855.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	730 SHERIDAN RD # RD3B, 730, HIGHWOOD, IL 60040-1063

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 W MORGAN ST, WINTER GARDEN, FL 34787-3891

Mortgage

Document Number	0000006666
Date	Jan 6, 2021
Instrument	20210006666

Lender

Name	NOVUS HOME MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	181 W MORGAN ST, WINTER GARDEN, FL 34787-3891
Document Number	0000322958
Instrument Date	Jun 3, 2020
Transaction Type	Mortgage
Record Updated	Jun 24, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 W MORGAN ST WINTER GARDEN FL 347873891, WINTER GARDEN, FL 34787-3891

Mortgage

Document Number	0000322958
Date	Jun 10, 2020
Instrument	322958

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 9, 2050

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	May 1, 2018
Property Address	181 W MORGAN ST, WINTER GARDEN, FL 34787-3891
Document Number	0000257036
Instrument Date	Apr 27, 2018
Instrument	257036
Transaction Type	Transfer
Record Updated	Sep 10, 2019
Title Company	CLOSING AGENT INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 W MORGAN ST WINTER GARDEN FL 347873891, WINTER GARDEN, FL 34787-3891

Mortgage

Document Number	257037
Date	May 1, 2018
Instrument	257037

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 30, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 181 W Morgan St was $6,049, up 7.9% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$347,323 (+1%)	$399,933 (-1.04%) Land $168,233 Building $231,700
2025	$6,049.00 (+7.88%)	$315,748	$404,133 Land $168,233 Building $235,900
2024	$5,607.00 (+12.55%)
2023	$4,982.00 (+13.72%)	$363,512 (+19.06%) Land $155,292 Building $208,220	$363,512 (+19.06%) Land $155,292 Building $208,220
2022	$4,381.00	$305,326 Land $116,469 Building $188,857	$305,326 Land $116,469 Building $188,857

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

Flood

FEMA maps place 181 W Morgan St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

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
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2024 · Hurricane Milton

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 181 W Morgan St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% 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	WINTER GARDEN WATER DEPT (3 WPS) serves 72,205 people · EPA ID FL3481481
Water Source	Groundwater
Last State Inspection	Feb 2024
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 202 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: AT&T, CenturyLink, Verizon.

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