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20 E Division St, Winter Garden, FL 34787 Property Records

Orange County property record for 20 E Division St, Winter Garden, FL 34787 · Last verified June 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,029 sqft · built 1959
Lot Size0.298 acres (12,982 sqft)
OwnerCompany Name on File
Last Sale$750,000 (Aug 2024)
Tax Bill$7,196 (2025)
Deeds & MortgagesApr 2022 Mortgage
May 2021 Line of Credit
+ 2 more
Flood ZoneZone X (minimal risk)
APN14-22-27-9388-01-010

Property Details

APN / Parcel Number

Primary APN14-22-27-9388-01-010
Alternative APNs
  • 272214938801010
  • 113998
  • 114645
  • 115931

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area2,029 sqft Living Area
Gross Area3,435 sqft Gross Area
1st Floor Area1,828 sqft 1st Floor
Stories1 Story
Utility Area614 sqft
FlooringCarpet
Interior WallsPlaster
FireplaceFireplace
Fireplaces1 Fireplace

Exterior

Year BuiltBuilt 1959
Effective Year BuiltEffective 2000
Exterior MaterialConcrete
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area12,982 sqft (0.298 acres)
Parking Spaces1 Parking Space
Garage TypeCarport
Garage Area252 sqft Garage
CarportCarport
Carport Area252 sqft Carport
PorchFlorida Room
Porch Area513 sqft Porch
Storage Building160 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address20 E DIVISION ST
CityWINTER GARDEN
StateFL
Zip34787-2312
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionWINTER GARDEN SHORES FIRST ADDITION T/86 LOT 1 BLK A
Legal Range27E
Legal Township22S
Legal Section14
Legal SubdivisionWINTER GARDEN SHORES 1ST ADD
Legal Tract9388
Legal BlockA
Legal Lot Number1
JurisdictionORANGE FL
Township / Civil DivisionWINTER GARDEN-OCOEE
Census Block Group1
Census Block1038
Census Tract17401

Owner

Source: Orange County records · APN 14-22-27-9388-01-010

Assessment roll updated April 30, 2026 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on File
Mailing Address6959 STAPOINT CT, J, WINTER PARK, FL 32792-8214
Owner TypeCompany
VestingCompany

Deeds, Mortgages & Sale History

DateDocument
Apr 01, 2022Deed of Trust, Mortgage · Conventional Mortgage
AMERICAN FINANCIAL NETWORK INC
May 12, 2021Deed of Trust, Mortgage · Line of Credit
SEACOAST NATIONAL BANK
Feb 05, 2021Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Dec 10, 2018Warranty Deed, Transfer
NORTH AMERICAN TITLE

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleAug 02, 2024 · Amount on Record
Deed SaleAug 02, 2024 · Amount on Record
Prior SaleApr 01, 2022 · Amount on Record
Deed Document Number2024449204
Record UpdatedSep 20, 2026

April 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionORANGE FL
Property Address20 E DIVISION ST, WINTER GARDEN, FL 34787-2312
Transaction TypeMortgage
Record UpdatedApr 20, 2022
Title CompanyFIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address17105 GATHERING PLACE CIR, CLERMONT, FL 34711-8597

Mortgage

Document Number0000210297
DateApr 01, 2022
Instrument20220210297
Lender
NameAMERICAN FINANCIAL NETWORK INC
TypeFunding / Finance Company
AddressBREA, CA 92821
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueApr 01, 2052

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionORANGE FL
Property Address20 E DIVISION ST, WINTER GARDEN, FL 34787-2312
Transaction TypeMortgage
Record UpdatedJun 02, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address20 E DIVISION ST, WINTER GARDEN, FL 34787-2312

Mortgage

Document Number20210287902
DateMay 12, 2021
Instrument20210287902
Lender
NameSEACOAST NATIONAL BANK
TypeBank
AddressSTUART, FL 34995
Agreement
TypeLine of Credit
AmountAmount Recorded
Term179 Months
DueApr 28, 2036
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionORANGE FL
Property Address20 E DIVISION ST, WINTER GARDEN, FL 34787-2312
Transaction TypeMortgage
Record UpdatedFeb 26, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address20 E DIVISION ST, WINTER GARDEN, FL 34787-2312

Mortgage

Document Number20210071272
DateFeb 05, 2021
Instrument20210071272
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2051

December 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionORANGE FL
Recording DateDec 10, 2018
Property Address20 E DIVISION ST, WINTER GARDEN, FL 34787-2312
Document Number0000712180
Instrument DateDec 05, 2018
Instrument712180
Transaction TypeTransfer
Record UpdatedDec 27, 2018
Title CompanyNORTH AMERICAN TITLE

Transaction

AmountAmount Recorded
Tax$1,890.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address438 N WOODLAND ST WINTER GARDEN FL 347872842, WINTER GARDEN, FL 34787-2842

Tax Assessment & Valuation

Source: Orange County records · Assessment roll updated April 30, 2026 · Last verified June 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2026$442,510 (+0.19%) Land $195,000 Building $247,510$442,510 (+0.19%) Land $195,000 Building $247,510
2025$7,196.00 (+119.32%) Homeowner's exemption$441,670 (+86.77%) Land $195,000 Building $246,670$441,670 (+30.42%) Land $195,000 Building $246,670
2024$3,281.00 (+4.92%)
2023$3,127.00 (-48.72%) Homeowner's exemption$236,480 (-38.07%)$338,656 (-11.32%) Land $120,000 Building $218,656
2022$6,098.00 Homeowner's exemption$381,880 Land $120,000 Building $261,880$381,880 Land $120,000 Building $261,880

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Orange County (12095C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskLow
above 32% of the US · above 8% of Florida
Wildfire LikelihoodAbout 1 in 7,143 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values are read at the parcel center point; lenders make the official flood determination.

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