Orange County property record for 197 Braelock Dr, Ocoee, FL 34761
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,851 sqft · built 2004 |
| Lot Size | 0.275 acres (11,971 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $440,000 (Nov 2020) |
| Tax Bill | $7,172 (2025) |
| Deeds & Mortgages | Oct 2022 Line of Credit Nov 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 32-22-28-2621-00-380 |
| Primary APN | 32-22-28-2621-00-380 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,851 sqft Living Area |
| Gross Area | 3,728 sqft |
| 1st Floor Area | 2,658 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Concrete |
| Lot Area | 11,971 sqft (0.275 acres) |
| Garage Type | Attached |
| Garage Area | 456 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 387 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 197 BRAELOCK DR |
|---|---|
| City | OCOEE |
| State | FL |
| Zip | 34761-4620 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1AA |
| Legal Description | WINDSOR LANDING PHASE 1 46/26 LOT 38 |
| Legal Range | 28E |
| Legal Township | 22S |
| Legal Section | 32 |
| Legal Subdivision | WINDSOR LANDING PH 1 |
| Legal Phase | 1 |
| Legal Tract | 2621 |
| Legal Lot Number | 38 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 14814 |
Source: Orange County records · APN 32-22-28-2621-00-380
Assessment roll updated April 30, 2026 · Last verified August 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 | 197 BRAELOCK DR, OCOEE, FL 34761-4620 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 17, 2022 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA |
| Nov 02, 2020 | Warranty Deed, Transfer · Conventional with PMI CHRISTENSEN FIN'L |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 02, 2020 · Amount on Record |
| Deed Sale | Nov 02, 2020 · Amount on Record |
| Prior Sale | Dec 05, 2005 · Amount on Record |
| Deed Document Number | 2020569065 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 197 BRAELOCK DR, OCOEE, FL 34761-4620 |
| Transaction Type | Mortgage |
| Record Updated | Nov 01, 2022 |
| Name | Verified Name |
|---|---|
| Address | 197 BRAELOCK DR, OCOEE, FL 34761-4620 |
| Document Number | 0000628250 |
|---|---|
| Date | Oct 17, 2022 |
| Instrument | 20220628250 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Sep 25, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Nov 02, 2020 |
| Property Address | 197 BRAELOCK DR, OCOEE, FL 34761-4620 |
| Document Number | 0000569065 |
| Instrument Date | Oct 29, 2020 |
| Instrument | 569065 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2020 |
| Title Company | TREASURE TITLE INSURANCE AGENCY INC, TREASURE TITLE INS AGCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,080.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 197 BRAELOCK DR OCOEE FL 347614620, OCOEE, FL 34761-4620 |
| Document Number | 569066 |
|---|---|
| Date | Nov 02, 2020 |
| Instrument | 569066 |
| Name | CHRISTENSEN FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2050 |
Source: Orange County records · Assessment roll updated April 30, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Municipality | Ocoee City |
| Unified School District | Orange County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $441,573 (+2.7%) | $605,260 (-1.45%) Land $95,000 Building $510,260 | |
| 2025 | $7,172.00 (+5.98%) Homeowner's exemption | $429,964 (+5.99%) | $614,150 (+10.4%) Land $95,000 Building $519,150 |
| 2024 | $6,767.00 (+3.36%) | ||
| 2023 | $6,547.00 (+10.93%) Homeowner's exemption | $405,676 (+10.78%) | $556,314 (+25.31%) Land $95,000 Building $461,314 |
| 2022 | $5,902.00 Homeowner's exemption | $366,190 | $443,949 Land $80,000 Building $363,949 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 37 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 37 in force |
| Nearby Flood Claims | 2 (2022–2024) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Wildfire Risk | Low lower than 95% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber · DSL in parts of the area | 2,000 / 1,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: AT&T, Hotwire Communications.
Based on FCC filings for 241 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | OCUD/SOUTHERN WATER SYS (5 WPS) serves 80,738 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2024 |
| Lead | 2 ppb (2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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