1905 Rachels Ridge Loop, #LO, Ocoee, FL 34761 Property Records

Orange County property record for 1905 Rachels Ridge Loop, #LO, Ocoee, FL 34761

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,306 sqft · built 1999
Lot Size	0.215 acres (9,372 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (May 2019)
Tax Bill	$6,945 (2025)
Deeds & Mortgages	Feb 2026 Transfer Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-22-28-9065-00-570`

Property Details

APN / Parcel Number

Primary APN	`16-22-28-9065-00-570`
Alternative APNs	`282216906500570` `241265` `246104` `250677`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,306 sqft Living Area
Gross Area	2,903 sqft
1st Floor Area	2,166 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	9,372 sqft (0.215 acres)
Garage Type	Attached
Garage Area	495 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	242 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	1905 RACHELS RIDGE LOOP, LO
City	OCOEE
State	FL
Zip	34761-9012
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	WEDGEWOOD COMMONS PHASE 2 39/122 LOT 57
Legal Range	28E
Legal Township	22S
Legal Section	16
Legal Subdivision	WEDGEWOOD COMMONS PH 2
Legal Phase	2
Legal Tract	9065
Legal Lot Number	57
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	1
Census Block	1056
Census Tract	18100

Owner

1905 Rachels Ridge Loop, #LO is owned by two individuals who acquired it in January 2026.

Source: Orange County records, as of June 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1905 RACHELS RIDGE LOOP, OCOEE, FL 34761-9012
Owner Type	Individual
Vesting	Married Couple

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
Feb 19, 2026	Intrafamily Transfer, Transfer
Sep 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage CHRISTENSEN FIN'L
May 30, 2019	Warranty Deed, Transfer · Conventional Mortgage CHRISTENSEN FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 30, 2019 · Amount on File
Deed Sale	May 30, 2019 · Amount on File
Prior Sale	Dec 6, 2012 · Amount on File
Deed Document Number	2019335066
Last Transfer Date	Jan 2, 2026
Transfer Doc	0000100750
Record Updated	Sep 20, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE FL
Recording Date	Feb 19, 2026
Property Address	1905 RACHELS RIDGE LOOP, OCOEE, FL 34761-9012
Document Number	0000100750
Instrument Date	Jan 2, 2026
Instrument	20260100750
Transaction Type	Transfer
Record Updated	Mar 20, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1223 BLUE SPRING CT, OCOEE, FL 34761-1843

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1905 RACHELS RIDGE LOOP, OCOEE, FL 34761-9012

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1905 RACHELS RIDGE LOOP, OCOEE, FL 34761-9012
Document Number	0000507129
Instrument Date	Sep 23, 2020
Transaction Type	Mortgage
Record Updated	Oct 13, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1905 RACHELS RIDGE LOOP OCOEE FL 347619012, OCOEE, FL 34761-9012

Mortgage

Document Number	0000507129
Date	Sep 29, 2020
Instrument	507129

Lender

Name	CHRISTENSEN FIN'L
Type	Funding / Finance Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 28, 2035

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	May 30, 2019
Property Address	1905 RACHELS RIDGE LOOP, OCOEE, FL 34761-9012
Document Number	0000335066
Map Reference	MB 39 PG 122
Instrument Date	May 28, 2019
Instrument	20190335066
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2844 RED ALDER BLVD, 2844, OCOEE, FL 34761-8482

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1223 BLUE SPRING CT, OCOEE, FL 34761-1843

Mortgage

Document Number	0000335067
Date	May 30, 2019
Instrument	20190335067

Lender

Name	CHRISTENSEN FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1905 Rachels Ridge Loop, #LO was $6,945, up 9.9% 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		$398,058 (+1%)	$402,090 (-1.34%) Land $80,000 Building $322,090
2025	$6,945.00 (+9.87%)	$361,871	$407,570 Land $80,000 Building $327,570
2024	$6,321.00 (+11.09%)
2023	$5,690.00 (+10.46%)	$343,097 (+13.9%) Land $80,000 Building $263,097	$343,097 (+13.9%) Land $80,000 Building $263,097
2022	$5,151.00	$301,232 Land $80,000 Building $221,232	$301,232 Land $80,000 Building $221,232

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

Flood

FEMA maps place 1905 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 1905 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 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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