2103 Gopher Tortoise Ter, Oakland (Winter Garden), FL 34787 Property Records

Orange County property record for 2103 Gopher Tortoise Ter, Oakland, FL 34787

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 1,503 sqft · built 2020
Lot Size	0.051 acres (2,201 sqft)
Owner	Individual Name on Record
Last Sale	$410,000 (Nov 2022)
Tax Bill	$5,439 (2025)
Deeds & Mortgages	May 2026 Mortgage Nov 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-22-27-5101-01-350`

Property Details

APN / Parcel Number

Primary APN	`20-22-27-5101-01-350`
Alternative APNs	`272220510101350` `115778` `116423` `117710`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,503 sqft Living Area
Gross Area	2,275 sqft
1st Floor Area	840 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Townhouse
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	2,201 sqft (0.051 acres)
Garage Type	Detached
Garage Area	420 sqft
Porch	Finished/Open Porch
Porch Area	175 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	2103 GOPHER TORTOISE TER
City	OAKLAND
State	FL
Zip	34787-3767
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PUD
Legal Description	LONGLEAF AT OAKLAND, A REPLAT 99/17 LOT 135
Legal Range	27E
Legal Township	22S
Legal Section	20
Legal Subdivision	LONGLEAF AT OAKLAND, A REP
Legal Block	1
Legal Lot Number	135
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	2
Census Block	2025
Census Tract	17200

Owner

Source: Orange County records, as of June 9, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	712 BOUNTY DR, 1217, FOSTER CITY, CA 94404-2620
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 29, 2026	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Nov 28, 2022	Warranty Deed, Transfer · FHA Mortgage NATIONS DIRECT MORTGAGE LLC
Oct 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage ARVEST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 28, 2022 · Amount on Record
Deed Sale	Nov 28, 2022 · Amount on Record
Prior Sale	Feb 3, 2020 · Amount on Record
Deed Document Number	2022712427
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Recording Date	May 29, 2026
Property Address	2103 GOPHER TORTOISE TER, OAKLAND, FL 34787-3767
Document Number	0000301183
Instrument Date	May 20, 2026
Instrument	2026301183
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SIMPLIFILE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2103 GOPHER TORTOISE TER, OAKLAND, FL 34787-3767

Mortgage

Document Number	0000301183,
Date	May 29, 2026
Instrument	2026301183

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	4.75%
Max Rate	-1%

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Nov 28, 2022
Property Address	2103 GOPHER TORTOISE TER, OAKLAND, FL 34787-3767
Document Number	0000712427
Map Reference	MB 99 PG 17-28
Instrument Date	Nov 15, 2022
Instrument	20220712427
Transaction Type	Transfer
Record Updated	Dec 15, 2022
Title Company	CLEAR TITLE/FL LLC, CLEAR TITLE OF FLORIDA LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,870.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2410 CENTER AVE, ORLANDO, FL 32806-4508

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	712 BOUNTY DR APT 1217, 1217, FOSTER CITY, CA 94404-2620

Mortgage

Document Number	0000712428
Date	Nov 28, 2022
Instrument	20220712428

Lender

Name	NATIONS DIRECT MORTGAGE LLC
Type	Mortgage Company

Agreement

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

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2103 GOPHER TORTOISE TER, OAKLAND, FL 34787-3767
Transaction Type	Mortgage
Record Updated	Jan 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2103 GOPHER TORTOISE TER, OAKLAND, FL 34787-3767

Mortgage

Document Number	0000606274
Date	Oct 5, 2021
Instrument	20210606274

Lender

Name	ARVEST BANK
Type	Bank
Address	LOWELL, AR 72745

Agreement

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

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Orange County
Municipality	Oakland Town
Unified School District	Orange County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$337,440 (-1.19%) Land $55,000 Building $282,440	$337,440 (-1.19%) Land $55,000 Building $282,440
2025	$5,439.00 (-0.28%) Homeowner's exemption	$341,500 (+0.46%) Land $55,000 Building $286,500	$341,500 (+0.46%) Land $55,000 Building $286,500
2024	$5,454.00 (-9.4%)
2023	$6,020.00 (+64.03%)	$339,944 (+37.37%) Land $75,000 Building $264,944	$339,944 (+27%) Land $75,000 Building $264,944
2022	$3,670.00 Homeowner's exemption	$247,461	$267,669 Land $45,000 Building $222,669

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
Nearby Flood Policies	8 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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	0.03% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 289 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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