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1904 Rachels Ridge Loop, #LO, Ocoee, FL 34761 Property Records

Orange County property record for 1904 Rachels Ridge Loop, #LO, Ocoee, FL 34761

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,891 sqft · built 1999
Lot Size0.198 acres (8,629 sqft)
Owner2 Individual Names on Record
Last Sale$282,000 (Oct 2020)
Tax Bill$4,209 (2025)
Deeds & MortgagesOct 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN16-22-28-9065-00-890

Property Details

APN / Parcel Number

Primary APN16-22-28-9065-00-890
Alternative APNs
  • 282216906500890
  • 241304
  • 246144
  • 250716

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,891 sqft Living Area
Gross Area2,527 sqft
1st Floor Area1,891 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1999
Effective Year BuiltEffective 2005
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,629 sqft (0.198 acres)
Garage TypeAttached
Garage Area446 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area190 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address1904 RACHELS RIDGE LOOP, LO
CityOCOEE
StateFL
Zip34761-9013
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-1A
Legal DescriptionWEDGEWOOD COMMONS PHASE 2 39/122 LOT 89
Legal Range28E
Legal Township22S
Legal Section16
Legal SubdivisionWEDGEWOOD COMMONS PH 2
Legal Phase2
Legal Tract9065
Legal Lot Number89
JurisdictionORANGE FL
Township / Civil DivisionWINTER GARDEN-OCOEE
Census Block Group1
Census Block1059
Census Tract18100

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 Record2 Individual Names on Record
Mailing Address1904 RACHELS RIDGE LOOP, OCOEE, FL 34761-9013
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 16, 2020 · Amount on Record
Deed SaleOct 16, 2020 · Amount on Record
Prior SaleSep 19, 2016 · Amount on Record
Deed Document Number2020542839
Record UpdatedOct 29, 2026

October 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionORANGE FL
Recording DateOct 16, 2020
Property Address1904 RACHELS RIDGE LOOP, OCOEE, FL 34761-9013
Document Number0000542839
Instrument DateOct 15, 2020
Instrument542839
Transaction TypeTransfer
Record UpdatedNov 2, 2020
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,974.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1904 RACHELS RIDGE LOOP OCOEE FL 347619013, OCOEE, FL 34761-9013

Mortgage

Document Number542840
DateOct 16, 2020
Instrument542840
Lender
NameFREEDOM MTG
TypeMortgage Company
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueOct 15, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOrange County
MunicipalityOcoee City
Unified School DistrictOrange County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$260,328 (+2.7%)$362,770 (-1.24%) Land $80,000 Building $282,770
2025$4,209.00 (+7.45%) Homeowner's exemption$253,484 (+5.99%)$367,330 (+18.39%) Land $80,000 Building $287,330
2024$3,917.00 (+3.46%)
2023$3,786.00 (+3.3%) Homeowner's exemption$239,165 (+3%)$310,281 (+13.39%) Land $80,000 Building $230,281
2022$3,665.00 Homeowner's exemption$232,199$273,650 Land $80,000 Building $193,650

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 33 policies
Community Rating SystemClass 9 (5% premium discount)
Nearby Flood Policies33 in force
Nearby Flood Claims18 (1994–2019)
Claims Outside the SFHA4 of 18
Most Recent ClaimMay 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 RiskLow
lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemOCOEE, CITY OF (2 WPS)
serves 34,000 people · EPA ID FL3480204
Water SourceGroundwater
Last State InspectionDec 2025
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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