1955 Rachels Ridge Loop, #LO, Ocoee, FL 34761 Property Records

Orange County property record for 1955 Rachels Ridge Loop, #LO, Ocoee, FL 34761

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,184 sqft · built 1999
Lot Size	0.207 acres (8,999 sqft)
Owner	2 Individual Names on Record
Last Sale	$360,000 (Feb 2021)
Tax Bill	$5,579 (2025)
Deeds & Mortgages	Feb 2021 Sale & Mortgage Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-22-28-9065-00-490`

Property Details

APN / Parcel Number

Primary APN	`16-22-28-9065-00-490`
Alternative APNs	`282216906500490` `241255` `246094` `250666`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,184 sqft Living Area
Gross Area	2,934 sqft
1st Floor Area	2,184 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	8,999 sqft (0.207 acres)
Garage Type	Attached
Garage Area	495 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	255 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1955 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 49
Legal Range	28E
Legal Township	22S
Legal Section	16
Legal Subdivision	WEDGEWOOD COMMONS PH 2
Legal Phase	2
Legal Tract	9065
Legal Lot Number	49
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	1
Census Block	1056
Census Tract	18100

Owner

Source: Orange County records, as of July 20, 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	1955 RACHELS RIDGE LOOP, OCOEE, FL 34761-9012
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2021	Warranty Deed, Transfer · FHA Mortgage HOMETOWN EQUITY MORTGAGE
Feb 11, 2021	Warranty Deed, Transfer · FHA Mortgage HOMETOWN EQUITY MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 11, 2021 · Amount on Record
Deed Sale	Feb 11, 2021 · Amount on Record
Prior Sale	Nov 10, 2009 · Amount on Record
Deed Document Number	202182272
Record Updated	Oct 29, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Feb 11, 2021
Property Address	1955 RACHELS RIDGE LOOP, OCOEE, FL 34761-9012
Document Number	20210082272
Map Reference	MB 39 PG 122&123
Instrument Date	Feb 10, 2021
Instrument	20210082272
Transaction Type	Transfer
Record Updated	Feb 26, 2021
Title Company	SUNSHINE STATE T&E LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,520.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9164 SONOMA COAST DR, 9164, WINTER GARDEN, FL 34787-8456

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1955 RACHELS RIDGE LOOP, OCOEE, FL 34761-9012

Mortgage

Document Number	20210082273
Date	Feb 11, 2021
Instrument	20210082273

Lender

Name	HOMETOWN EQUITY MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Feb 11, 2021
Property Address	1955 RACHELS RIDGE LOOP, OCOEE, FL 34761-9012
Document Number	0000082272
Map Reference	MB 39 PG 122&123
Instrument Date	Feb 10, 2021
Instrument	20210082272
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	SUNSHINE STATE TITLE, SUNSHINE STATE T&E LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,520.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9164 SONOMA COAST DR, 9164, WINTER GARDEN, FL 34787-8456

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1955 RACHELS RIDGE LOOP, OCOEE, FL 34761-9012

Mortgage

Document Number	0000082273
Date	Feb 11, 2021
Instrument	20210082273

Lender

Name	HOMETOWN EQUITY MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

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		$346,197 (+2.7%)	$433,680 (+3.15%) Land $100,000 Building $333,680
2025	$5,579.00 (+6.27%) Homeowner's exemption	$337,095 (+5.99%)	$420,430 (+20.75%) Land $80,000 Building $340,430
2024	$5,250.00 (+3.41%)
2023	$5,077.00 (+3.15%) Homeowner's exemption	$318,053 (+3%)	$348,185 (+12.76%) Land $80,000 Building $268,185
2022	$4,922.00 Homeowner's exemption	$308,789 Land $80,000 Building $228,789	$308,789 Land $80,000 Building $228,789

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 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 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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