209 3rd St, Winter Garden, FL 34787 Property Records

Orange County property record for 209 3rd St, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 798 sqft · built 1921
Lot Size	0.145 acres (6,318 sqft)
Owner	2 Individual Names on Record
Last Sale	$362,000 (Nov 2023)
Tax Bill	$2,645 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Nov 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`23-22-27-8816-14-030`

Property Details

APN / Parcel Number

Primary APN	`23-22-27-8816-14-030`
Alternative APNs	`272223881614030` `120331` `121113` `122488`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	1 Room
Stories	1 Story
Building Area	798 sqft Living Area
Gross Area	987 sqft
1st Floor Area	798 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1921
Effective Year Built	Effective 2018
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,318 sqft (0.145 acres)

Exterior Amenities

Porch	Florida Room
Porch Area	189 sqft
Shed	1 Shed
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	None
Heating System	Convection
Heating Fuel	Electric

Location & Zoning

Street Address	209 3RD ST
City	WINTER GARDEN
State	FL
Zip	34787-3609
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	TWIN CITY DEVELOPMENT CO SUB E/26 LOT 3 BLK 14
Legal Range	27E
Legal Township	22S
Legal Section	23
Legal Subdivision	TWIN CITY DEV CO SUB
Legal Tract	8816
Legal Block	14
Legal Lot Number	3
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	3
Census Block	3013
Census Tract	17402

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	209 3RD ST, WINTER GARDEN, FL 34787-3609
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2025	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Nov 14, 2023	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jun 6, 2022	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Jul 27, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jun 11, 2021	Deed of Distribution, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 2023 · Amount on Record
Deed Sale	Nov 14, 2023 · Amount on Record
Prior Sale	Jun 6, 2022 · Amount on Record
Deed Document Number	2023658379
Prior Transfer Date	Apr 22, 2021
Prior Transfer Doc	0000350480
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	209 3RD ST, WINTER GARDEN, FL 34787-3609
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 3RD ST, WINTER GARDEN, FL 34787-3609

Mortgage

Document Number	0000603573
Date	Oct 17, 2025
Instrument	20250603573

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Nov 14, 2023
Property Address	209 3RD ST, WINTER GARDEN, FL 34787-3609
Document Number	0000658379
Map Reference	MB E PG 26
Instrument Date	Nov 5, 2023
Instrument	20230658379
Transaction Type	Transfer
Record Updated	Dec 7, 2023
Title Company	METES AND BOUND TITLE COMPANY, METES & BOUNDS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,534.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	536 EDEN RANCH DR, CANYON LAKE, TX 78133-5443

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 3RD ST, WINTER GARDEN, FL 34787-3609

Mortgage

Document Number	0000658380
Date	Nov 14, 2023
Instrument	20230658380

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jun 6, 2022
Property Address	209 3RD ST, WINTER GARDEN, FL 34787-3609
Document Number	0000352144
Map Reference	MB E PG 26
Instrument Date	Jun 1, 2022
Instrument	20220352144
Transaction Type	Transfer
Record Updated	Jun 28, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,309.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	303 CHARLOTTE ST, 303, WINTER GARDEN, FL 34787-3624

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 3RD ST, WINTER GARDEN, FL 34787-3609

Mortgage

Document Number	0000352145
Date	Jun 6, 2022
Instrument	20220352145

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jul 27, 2021
Property Address	209 3RD ST, WINTER GARDEN, FL 34787-3609
Document Number	20210450603
Map Reference	MB E PG 26
Instrument Date	Jul 22, 2021
Instrument	20210450603
Transaction Type	Transfer
Record Updated	Aug 11, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$1,330.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	35400 RADIO RD, 35400, LEESBURG, FL 34788-3101

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	303 CHARLOTTE ST, WINTER GARDEN, FL 34787-3624

June 2021: Deed of Distribution, Transfer

Document Type	Deed of Distribution
Jurisdiction	ORANGE FL
Recording Date	Jun 11, 2021
Property Address	209 3RD ST, WINTER GARDEN, FL 34787-3609
Document Number	20210350480
Map Reference	MB E PG 26
Instrument Date	Apr 22, 2021
Instrument	20210350480
Transaction Type	Transfer
Record Updated	Jun 29, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35400 RADIO RD, LEESBURG, FL 34788-3101

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		$208,349 (+2.7%)	$257,960 (-0.99%) Land $80,000 Building $177,960
2025	$2,645.00 (+5.42%) Homeowner's exemption	$202,871 (-11.26%)	$260,540 (+13.97%) Land $80,000 Building $180,540
2024	$2,509.00 (-16.42%)
2023	$3,002.00 (+28.18%) Homeowner's exemption	$228,605 (+55.81%) Land $82,134 Building $146,471	$228,605 (+55.81%) Land $82,134 Building $146,471
2022	$2,342.00	$146,722 Land $56,862 Building $89,860	$146,722 Land $56,862 Building $89,860

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

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
Nearby Flood Policies	5 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 67% of the US · lower than 92% of Florida
Wildfire Likelihood	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	WINTER GARDEN WATER DEPT (3 WPS) serves 72,205 people · EPA ID FL3481481
Water Source	Groundwater
Last State Inspection	Feb 2024
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 385 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Hotwire Communications, Verizon.

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