1856 Rachels Ridge Loop, #LO, Ocoee, FL 34761 Property Records

Orange County property record for 1856 Rachels Ridge Loop, #LO, Ocoee, FL 34761

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,811 sqft · built 1998
Lot Size	0.207 acres (9,013 sqft)
Owner	2 Individual Names on File
Last Sale	$295,000 (Jan 2019)
Tax Bill	$5,391 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-22-28-9065-00-830`

Property Details

APN / Parcel Number

Primary APN	`16-22-28-9065-00-830`
Alternative APNs	`282216906500830` `241297` `246136` `250709`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,811 sqft Living Area
Gross Area	3,660 sqft
1st Floor Area	2,811 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	9,013 sqft (0.207 acres)
Garage Type	Attached
Garage Area	516 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	333 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	1856 RACHELS RIDGE LOOP, LO
City	OCOEE
State	FL
Zip	34761-9002
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	WEDGEWOOD COMMONS PHASE 2 39/122 LOT 83
Legal Range	28E
Legal Township	22S
Legal Section	16
Legal Subdivision	WEDGEWOOD COMMONS PH 2
Legal Phase	2
Legal Tract	9065
Legal Lot Number	83
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	1
Census Block	1059
Census Tract	18100

Owner

1856 Rachels Ridge Loop, #LO is owned by two individuals who bought it in January 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	1856 RACHELS RIDGE LOOP, OCOEE, FL 34761-9002
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
Jul 7, 2020	Deed of Trust, Mortgage · VA Mortgage MR COOPER
Jan 24, 2019	Warranty Deed, Transfer · VA Mortgage HOMESTAR FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 24, 2019 · Amount on File
Deed Sale	Jan 24, 2019 · Amount on File
Prior Sale	Jan 11, 1999 · Amount on File
Deed Document Number	201946486
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1856 RACHELS RIDGE LOOP, OCOEE, FL 34761-9002
Document Number	0000379195
Instrument Date	Jul 7, 2020
Transaction Type	Mortgage
Record Updated	Jul 30, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1856 RACHELS RIDGE LOOP OCOEE FL 347619002, OCOEE, FL 34761-9002

Mortgage

Document Number	0000379195
Date	Jul 15, 2020
Instrument	379195

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 14, 2050

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jan 24, 2019
Property Address	1856 RACHELS RIDGE LOOP, OCOEE, FL 34761-9002
Document Number	0000046486
Map Reference	MB 39 PG 122
Instrument Date	Jan 22, 2019
Instrument	20190046486
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	STONEBRIDGE TITLE GROUP LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,065.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1886 RACHELS RIDGE LOOP, 1886, OCOEE, FL 34761-9002

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1856 RACHELS RIDGE LOOP, OCOEE, FL 34761-9002

Mortgage

Document Number	0000046487
Date	Jan 24, 2019
Instrument	20190046487

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1856 Rachels Ridge Loop, #LO was $5,391, up 7.1% from the year before.

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		$329,898 (+2.7%)	$477,290 (-1.61%) Land $80,000 Building $397,290
2025	$5,391.00 (+7.09%) Homeowner's exemption	$321,225	$485,090 Land $80,000 Building $405,090
2024	$5,034.00 (+3.41%)
2023	$4,868.00 (+3.11%) Homeowner's exemption	$303,080 (+3%)	$390,207 (+13.67%) Land $80,000 Building $310,207
2022	$4,721.00 Homeowner's exemption	$294,252	$343,292 Land $80,000 Building $263,292

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

Flood

FEMA maps place 1856 Rachels Ridge Loop, #LO in Zone X, an area of minimal flood risk, though there have been 18 flood claims nearby since 1994.

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 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

Wildfire risk around 1856 Rachels Ridge Loop, #LO 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	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 383 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Hotwire Communications, Metronet, Verizon, Xfinity.

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