1900 Rachels Ridge Loop, #LO, Ocoee, FL 34761 Property Records

Orange County property record for 1900 Rachels Ridge Loop, #LO, Ocoee, FL 34761

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,178 sqft · built 1999
Lot Size	0.198 acres (8,629 sqft)
Owner	2 Individual Names on File
Last Sale	$151,300 (Aug 1999)
Tax Bill	$2,888 (2025)
Deeds & Mortgages	May 2026 Sale Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-22-28-9065-00-880`

Property Details

APN / Parcel Number

Primary APN	`16-22-28-9065-00-880`
Alternative APNs	`282216906500880` `241303` `246143` `250715`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,178 sqft Living Area
Gross Area	2,924 sqft
1st Floor Area	2,178 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	8,629 sqft (0.198 acres)
Garage Type	Attached
Garage Area	495 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	251 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1900 RACHELS RIDGE LOOP, LO
City	OCOEE
State	FL
Zip	34761-9013
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	WEDGEWOOD COMMONS PHASE 2 39/122 LOT 88
Legal Range	28E
Legal Township	22S
Legal Section	16
Legal Subdivision	WEDGEWOOD COMMONS PH 2
Legal Phase	2
Legal Tract	9065
Legal Lot Number	88
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	1
Census Block	1059
Census Tract	18100

Owner

Source: Orange County assessment roll, 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 File
Mailing Address	1900 RACHELS RIDGE LOOP, OCOEE, FL 34761-9013
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
May 19, 2026	Warranty Deed, Transfer SIMPLIFILE
Aug 23, 2021	Deed of Trust, Mortgage · VA Mortgage USAA FSB
Jan 26, 2017	Deed of Trust, Mortgage · VA Mortgage BBMC MTG

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 20, 1999 · Amount on Record
Deed Sale	Aug 20, 1999 · Amount on Record
Deed Book / Page	5822 / 447
Last Transfer Date	May 18, 2026
Transfer Doc	0000280798
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	May 19, 2026
Property Address	1900 RACHELS RIDGE LOOP, LO, OCOEE, FL 34761-9013
Document Number	0000280798
Instrument Date	May 18, 2026
Instrument	2026.280798
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	SIMPLIFILE

Transaction

Amount	Amount Recorded
Tax	$70.70
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	1900 RACHELS RIDGE LOOP, LO, OCOEE, FL 34761-9013

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1900 RACHELS RIDGE LOOP, OCOEE, FL 34761-9013
Transaction Type	Mortgage
Record Updated	Sep 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210512754
Date	Aug 23, 2021
Instrument	20210512754

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Jul 1, 2031

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1900 RACHELS RIDGE LOOP, OCOEE, FL 34761-9013
Document Number	0000066755
Instrument Date	Jan 26, 2017
Transaction Type	Mortgage
Record Updated	Mar 2, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1900 RACHELS RIDGE LOOP OCOEE FL 347619013, OCOEE, FL 34761-9013

Mortgage

Document Number	0000066755
Date	Feb 3, 2017
Instrument	66755

Lender

Name	BBMC MTG
Type	Mortgage Company
Address	LOMBARD, IL 60148

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 2, 2032

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		$187,842 (+2.7%)	$387,090 (-1.34%) Land $80,000 Building $307,090
2025	$2,888.00 (+9.89%) Homeowner's exemption	$182,904 (+5.99%)	$392,330 (+18.5%) Land $80,000 Building $312,330
2024	$2,628.00 (+3.75%)
2023	$2,533.00 (+3.85%) Homeowner's exemption	$172,572 (+3%)	$331,086 (+13.79%) Land $80,000 Building $251,086
2022	$2,439.00 Homeowner's exemption	$167,546	$290,966 Land $80,000 Building $210,966

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

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 USA Fixed Wireless	100 / 20

May also be available: Metronet Holdings, Verizon, Xfinity.

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