2097 Cestius Rd, Winter Garden, FL 34787 Property Records

Orange County property record for 2097 Cestius Rd, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,169 sqft · built 2014
Lot Size	0.194 acres (8,450 sqft)
Owner	2 Individual Names on Record
Last Sale	$375,000 (Oct 2020)
Tax Bill	$5,233 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-23-27-0100-00-990`

Property Details

APN / Parcel Number

Primary APN	`09-23-27-0100-00-990`
Alternative APNs	`272309010000990` `136356` `137214` `138728`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,169 sqft Living Area
Gross Area	3,329 sqft
1st Floor Area	2,169 sqft
Utility Area	48 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Concrete Block/Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,450 sqft (0.194 acres)
Garage Type	Attached
Garage Area	684 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	428 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2097 CESTIUS RD
City	WINTER GARDEN
State	FL
Zip	34787-9815
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	ALEXANDER RIDGE 80/37 LOT 99
Legal Range	27E
Legal Township	23S
Legal Section	09
Legal Subdivision	ALEXANDER RIDGE
Legal Tract	100
Legal Lot Number	99
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1029
Census Tract	17113

Owner

Source: Orange County records, as of October 12, 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	2097 CESTIUS RD, WINTER GARDEN, FL 34787-9815
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 2020 · Amount on Record
Deed Sale	Oct 15, 2020 · Amount on Record
Prior Sale	Oct 14, 2014 · Amount on Record
Deed Document Number	2020538126
Record Updated	Oct 29, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Oct 15, 2020
Property Address	2097 CESTIUS RD, WINTER GARDEN, FL 34787-9815
Document Number	0000538126
Instrument Date	Oct 9, 2020
Instrument	538126
Transaction Type	Transfer
Record Updated	Nov 2, 2020
Title Company	EQUITABLE TITLE/DR PHILLIPS LL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,625.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2097 CESTIUS RD WINTER GARDEN FL 347879815, WINTER GARDEN, FL 34787-9815

Mortgage

Document Number	538127
Date	Oct 15, 2020
Instrument	538127

Lender

Name	CITIZENS BK NA
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 14, 2050

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		$371,511 (+2.7%)	$501,170 (-8.35%) Land $110,000 Building $391,170
2025	$5,233.00 (+5.25%) Homeowner's exemption	$361,744 (+5.99%)	$546,840 (+20.21%) Land $110,000 Building $436,840
2024	$4,972.00 (+3.69%)
2023	$4,795.00 (+3.03%) Homeowner's exemption	$341,310 (+3%)	$454,915 (+16.49%) Land $110,000 Building $344,915
2022	$4,654.00 Homeowner's exemption	$331,369	$390,521 Land $100,000 Building $290,521

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 99.8% of the US · lower than 99.7% 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	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 163 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: CenturyLink, T-Mobile, Verizon.

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