1892 Rachels Ridge Loop, #LO, Ocoee, FL 34761 Property Records

Orange County property record for 1892 Rachels Ridge Loop, #LO, Ocoee, FL 34761

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,185 sqft · built 1999
Lot Size	0.198 acres (8,628 sqft)
Owner	2 Individual Names on Record
Last Sale	$279,900 (Jun 2018)
Tax Bill	$3,580 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Jun 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-22-28-9065-00-860`

Property Details

APN / Parcel Number

Primary APN	`16-22-28-9065-00-860`
Alternative APNs	`282216906500860` `241301` `246140` `250713`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,185 sqft Living Area
Gross Area	2,924 sqft
1st Floor Area	2,185 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2000
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,628 sqft (0.198 acres)
Garage Type	Attached
Garage Area	495 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	244 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1892 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 86
Legal Range	28E
Legal Township	22S
Legal Section	16
Legal Subdivision	WEDGEWOOD COMMONS PH 2
Legal Phase	2
Legal Tract	9065
Legal Lot Number	86
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	1
Census Block	1059
Census Tract	18100

Owner

Source: Orange County records, as of May 4, 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	1892 RACHELS RIDGE LOOP, OCOEE, FL 34761-9002
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE FIRM
Jun 27, 2018	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE FIRM
Jun 2, 2017	Warranty Deed, Transfer · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 2018 · Amount on Record
Deed Sale	Jun 27, 2018 · Amount on Record
Prior Sale	Jun 2, 2017 · Amount on Record
Deed Document Number	2018383262
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1892 RACHELS RIDGE LOOP, OCOEE, FL 34761-9002
Document Number	0000440428
Instrument Date	Aug 14, 2020
Transaction Type	Mortgage
Record Updated	Sep 10, 2020
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1892 RACHELS RIDGE LOOP OCOEE FL 347619002, OCOEE, FL 34761-9002

Mortgage

Document Number	0000440428
Date	Aug 20, 2020
Instrument	440428

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 19, 2050

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jun 27, 2018
Property Address	1892 RACHELS RIDGE LOOP, OCOEE, FL 34761-9002
Document Number	0000383262
Instrument Date	Jun 8, 2018
Instrument	383262
Transaction Type	Transfer
Record Updated	Jul 20, 2018
Title Company	STONEBRIDGE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,959.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1892 RACHELS RIDGE LOOP OCOEE FL 347619002, OCOEE, FL 34761-9002

Mortgage

Document Number	383263
Date	Jun 27, 2018
Instrument	383263

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 26, 2048

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jun 2, 2017
Property Address	1892 RACHELS RIDGE LOOP, OCOEE, FL 34761-9002
Document Number	0000306475
Instrument Date	May 31, 2017
Instrument	306475
Transaction Type	Transfer
Record Updated	Sep 9, 2019
Title Company	BROKERS TITLE/CTRL FL

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1892 RACHELS RIDGE LOOP OCOEE FL 347619002, OCOEE, FL 34761-9002

Mortgage

Document Number	306476
Date	Jun 2, 2017
Instrument	306476

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2047

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		$220,905 (+2.7%)	$401,250 (-1.31%) Land $80,000 Building $321,250
2025	$3,580.00 (+8.32%) Homeowner's exemption	$215,097 (+5.99%)	$406,580 (+19.64%) Land $80,000 Building $326,580
2024	$3,305.00 (+3.51%)
2023	$3,193.00 (+3.4%) Homeowner's exemption	$202,947 (+3%)	$339,841 (+13.61%) Land $80,000 Building $259,841
2022	$3,088.00 Homeowner's exemption	$197,036	$299,137 Land $80,000 Building $219,137

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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