2012 Curia Rd, Winter Garden, FL 34787 Property Records

Orange County property record for 2012 Curia Rd, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,957 sqft · built 2015
Lot Size	0.195 acres (8,476 sqft)
Owner	2 Individual Names on Record
Last Sale	$329,800 (Mar 2019)
Tax Bill	$4,373 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-23-27-0100-00-640`

Property Details

APN / Parcel Number

Primary APN	`09-23-27-0100-00-640`
Alternative APNs	`272309010000640` `136313` `137173` `138685`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,957 sqft Living Area
Gross Area	2,710 sqft
1st Floor Area	1,957 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,476 sqft (0.195 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	291 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2012 CURIA RD
City	WINTER GARDEN
State	FL
Zip	34787-9812
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	ALEXANDER RIDGE 80/37 LOT 64
Legal Range	27E
Legal Township	23S
Legal Section	09
Legal Subdivision	ALEXANDER RIDGE
Legal Tract	100
Legal Lot Number	64
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1030
Census Tract	17113

Owner

Source: Orange County records, as of April 30, 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	2012 CURIA RD, WINTER GARDEN, FL 34787-9812
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2022	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jul 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 5, 2019	Warranty Deed, Transfer · Conventional Mortgage EQUITY PRIME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 5, 2019 · Amount on Record
Deed Sale	Mar 5, 2019 · Amount on Record
Prior Sale	Aug 1, 2016 · Amount on Record
Deed Document Number	2019132336
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2012 CURIA RD, WINTER GARDEN, FL 34787-9812
Transaction Type	Mortgage
Record Updated	Sep 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2012 CURIA RD, WINTER GARDEN, FL 34787-9812

Mortgage

Document Number	0000559945
Date	Sep 13, 2022
Instrument	20220559945

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Oct 4, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2012 CURIA RD, WINTER GARDEN, FL 34787-9812
Transaction Type	Mortgage
Record Updated	Aug 18, 2021
Title Company	EQUITABLE TITLE/DR PHILLIPS LL, EQUITABLE TTL OF DR PHILLIPS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2012 CURIA RD, WINTER GARDEN, FL 34787-9812

Mortgage

Document Number	20210459754
Date	Jul 30, 2021
Instrument	20210459754

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Mar 5, 2019
Property Address	2012 CURIA RD, WINTER GARDEN, FL 34787-9812
Document Number	0000132336
Map Reference	MB 80 PG 37
Instrument Date	Feb 26, 2019
Instrument	20190132336
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	EQUITABLE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,308.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3710 AUTUMN LEAVES LN, 3710, MARIETTA, GA 30066-3967

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2012 CURIA RD, WINTER GARDEN, FL 34787-9812

Mortgage

Document Number	0000132337
Date	Mar 5, 2019
Instrument	20190132337

Lender

Name	EQUITY PRIME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Orange County
Municipality	Winter Garden City
Unified School District	Orange County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$317,315 (+2.7%)	$433,930 (-8.31%) Land $110,000 Building $323,930
2025	$4,373.00 (+5.27%) Homeowner's exemption	$308,973 (+5.99%)	$473,250 (+18.48%) Land $110,000 Building $363,250
2024	$4,154.00 (+3.77%)
2023	$4,003.00 (+3.12%) Homeowner's exemption	$291,519 (+3%)	$399,441 (+16.47%) Land $110,000 Building $289,441
2022	$3,882.00 Homeowner's exemption	$283,028	$342,964 Land $100,000 Building $242,964

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 77 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	77 in force

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 93% of the US · lower than 94% of Florida
Wildfire Likelihood	0.03% 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	WINTER GARDEN WATER DEPT (3 WPS) serves 72,205 people · EPA ID FL3481481
Water Source	Groundwater
Last State Inspection	Feb 2024
Also Mapped Here	OCUD/SOUTHERN WATER SYS (5 WPS)
Lead	3 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	2 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 262 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Alteva of Warwick, AT&T, CenturyLink.

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