2105 Richfield Cove Dr, Ocoee, FL 34761 Property Records

Orange County property record for 2105 Richfield Cove Dr, Ocoee, FL 34761

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,202 sqft · built 1991
Lot Size	0.221 acres (9,631 sqft)
Owner	2 Company Names on Record
Last Sale	$100 (Jan 2023)
Tax Bill	$5,903 (2025)
Deeds & Mortgages	Jan 2023 Mortgage Apr 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`15-22-28-7401-00-290`

Property Details

APN / Parcel Number

Primary APN	`15-22-28-7401-00-290`
Alternative APNs	`282215740100290` `239499` `244337` `248910`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,202 sqft Living Area
Gross Area	2,970 sqft
1st Floor Area	1,111 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,631 sqft (0.221 acres)
Garage Type	Attached
Garage Area	449 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	452 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2105 RICHFIELD COVE DR
City	OCOEE
State	FL
Zip	34761-8640
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	RICHFIELD 25/102 LOT 29
Legal Range	28E
Legal Township	22S
Legal Section	15
Legal Subdivision	RICHFIELD
Legal Tract	7401
Legal Lot Number	29
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	2
Census Block	2023
Census Tract	15005

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 Company Names on Record
Mailing Address	2105 RICHFIELD COVE DR, OCOEE, FL 34761-8640
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2023	Intrafamily Transfer, Transfer · FHA Mortgage GENHOME MORTGAGE CORP
Apr 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage THAO N PHAM
May 18, 2018	Quit Claim Deed, Transfer NOT AVAILABLE
Apr 1, 2018	Deed of Trust, Mortgage · Conventional Mortgage REALITY SOLUTIONS/LONGWOOD INC
Apr 16, 2018	Warranty Deed, Transfer · ARM METRO CITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 11, 2023 · Amount on Record
Deed Sale	Jan 11, 2023 · Amount on Record
Prior Sale	Apr 16, 2018 · Amount on Record
Deed Document Number	202316318
Last Transfer Date	Jun 25, 2024
Transfer Doc	0000388218
Record Updated	Oct 29, 2026

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE FL
Recording Date	Jan 11, 2023
Property Address	2105 RICHFIELD COVE DR, OCOEE, FL 34761-8640
Document Number	0000016318
Map Reference	MB 25 PG 102
Instrument Date	Jan 4, 2023
Instrument	20230016318
Transaction Type	Transfer
Record Updated	Jan 27, 2023
Title Company	STEWART TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2105 RICHFIELD COVE DR, OCOEE, FL 34761-8640

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2105 RICHFIELD COVE DR, OCOEE, FL 34761-8640

Mortgage

Document Number	0000016319
Date	Jan 11, 2023
Instrument	20230016319

Lender

Name	GENHOME MORTGAGE CORP
Type	Mortgage Company

Agreement

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

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2105 RICHFIELD COVE DR, OCOEE, FL 34761-8640
Document Number	0000219406
Instrument Date	Apr 1, 2020
Transaction Type	Mortgage
Record Updated	May 6, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2105 RICHFIELD COVE DR OCOEE FL 347618640, OCOEE, FL 34761-8640

Mortgage

Document Number	0000219406
Date	Apr 7, 2020
Instrument	219406

Lender

Name	THAO N PHAM
Address	16825 ZINFANDEL CIR, MORGAN HILL, CA 95037-7076

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	24 Months
Due	Apr 6, 2022

Interest

Rate	9%

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE FL
Recording Date	May 18, 2018
Property Address	2105 RICHFIELD COVE DR, OCOEE, FL 34761-8640
Document Number	0000297038
Instrument Date	Apr 30, 2018
Instrument	297038
Transaction Type	Transfer
Record Updated	Nov 21, 2018
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2105 RICHFIELD COVE DR OCOEE FL 347618640, OCOEE, FL 34761-8640

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2105 RICHFIELD COVE DR, OCOEE, FL 34761-8640
Document Number	0000249000
Instrument Date	Apr 1, 2018
Transaction Type	Mortgage
Record Updated	May 14, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2105 RICHFIELD COVE DR OCOEE FL 347618640, OCOEE, FL 34761-8640

Mortgage

Document Number	0000249000
Date	Apr 26, 2018
Instrument	249000

Lender

Name	REALITY SOLUTIONS/LONGWOOD INC
Address	354 COBLE DR, LONGWOOD, FL 32779-4563

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	24 Months
Due	Apr 25, 2020

Interest

Rate Type	Fixed Rate
Rate	9%

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Apr 16, 2018
Property Address	2105 RICHFIELD COVE DR, OCOEE, FL 34761-8640
Document Number	0000223563
Map Reference	MB 25 PG 102&103
Instrument Date	Mar 30, 2018
Instrument	20180223563
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	SUNBELT TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,676.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	953 WELCH HILL CIR, 953, APOPKA, FL 32712-2784

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2105 RICHFIELD COVE DR, OCOEE, FL 34761-8640

Mortgage

Document Number	0000223564
Date	Apr 16, 2018
Instrument	20180223564

Lender

Name	METRO CITY BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	May 1, 2023
Change Frequency	Annually
Min Rate At Change	5.12%
Max Rate At Change	7.37%
Index	1-Year CMT
Max Rate	10.3%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$355,200 (-0.47%) Land $77,000 Building $278,200	$355,200 (-1.4%) Land $77,000 Building $278,200
2025	$5,903.00 (+6.07%) Homeowner's exemption	$356,888 (+40.14%)	$360,250 (+12.59%) Land $77,000 Building $283,250
2024	$5,565.00 (+37.75%)
2023	$4,040.00 (+3.27%) Homeowner's exemption	$254,663 (+3%)	$319,976 (+14.04%) Land $70,000 Building $249,976
2022	$3,912.00 Homeowner's exemption	$247,246	$280,574 Land $70,000 Building $210,574

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2018 · rainfall accumulation

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	OCOEE, CITY OF (2 WPS) serves 34,000 people · EPA ID FL3480204
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	Under 1 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	None 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 382 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Xfinity.

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