2139 Bay Line Rd, Oakland (Winter Garden), FL 34787 Property Records

Orange County property record for 2139 Bay Line Rd, Oakland, FL 34787

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,274 sqft · built 2020
Lot Size	0.138 acres (6,000 sqft)
Owner	Individual Name on File
Last Sale	$645,000 (Mar 2026)
Tax Bill	$6,888 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Sep 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-22-27-3775-00-450`

Property Details

APN / Parcel Number

Primary APN	`19-22-27-3775-00-450`
Alternative APNs	`272219377500450` `115191` `115838` `117120`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,274 sqft Living Area
Gross Area	2,940 sqft
1st Floor Area	2,274 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,000 sqft (0.138 acres)
Garage Type	Attached
Garage Area	440 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2139 BAY LINE RD
City	OAKLAND
State	FL
Zip	34787-9051
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	HULL ISLAND AT OAKLAND 99/91 LOT 45
Legal Range	27E
Legal Township	22S
Legal Section	19
Legal Subdivision	HULL ISLAND AT OAKLAND
Legal Lot Number	45
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	2
Census Block	2043
Census Tract	17200

Owner

2139 Bay Line Rd is owned and occupied by an individual who bought it in March 2026.

Source: Orange County records, as of April 30, 2026

Owner of Record	Individual Name on File
Mailing Address	2139 BAY LINE RD, OAKLAND, FL 34787-9051
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2026	Warranty Deed, Transfer · VA Mortgage NFM LENDING
Sep 13, 2022	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP
Feb 17, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 2, 2026 · Amount on File
Deed Sale	Mar 2, 2026 · Amount on File
Prior Sale	Sep 13, 2022 · Amount on File
Deed Document Number	2026120592
Record Updated	Jun 8, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Mar 2, 2026
Property Address	2139 BAY LINE RD, OAKLAND, FL 34787-9051
Document Number	0000120592
Map Reference	MB 99 PG 91-99
Instrument Date	Feb 25, 2026
Instrument	20260120592
Transaction Type	Transfer
Record Updated	Mar 20, 2026
Title Company	HARBORVIEW TITLE, HARBORVIEW TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,515.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2139 BAY LINE RD, OAKLAND, FL 34787-9051

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2139 BAY LINE RD, OAKLAND, FL 34787-9051

Mortgage

Document Number	0000120593
Date	Mar 2, 2026
Instrument	20260120593

Lender

Name	NFM LENDING
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2056

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Sep 13, 2022
Property Address	2139 BAY LINE RD, OAKLAND, FL 34787-9051
Document Number	0000559127
Map Reference	MB 99 PG 91-99
Instrument Date	Sep 9, 2022
Instrument	20220559127
Transaction Type	Transfer
Record Updated	Sep 28, 2022
Title Company	RED DOOR TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,235.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4082 WHITNEY AVE, 4082, LINDEN, MI 48451-8206

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2139 BAY LINE RD, OAKLAND, FL 34787-9051

Mortgage

Document Number	0000559128
Date	Sep 13, 2022
Instrument	20220559128

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

February 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Feb 17, 2021
Property Address	2139 BAY LINE RD, OAKLAND, FL 34787-9051
Document Number	0000093300
Map Reference	MB 99 PG 91
Instrument Date	Feb 16, 2021
Instrument	20210093300
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 28, 2022
Title Company	M/I TITLE AGENCY LIMITED LC, MI TITLE AGENCY LTD LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,009.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	400 INTERNATIONAL PKWY STE 470, 400, LAKE MARY, FL 32746-5054

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2139 BAY LINE RD, OAKLAND, FL 34787-9051

Mortgage

Document Number	0000093301
Date	Feb 17, 2021
Instrument	20210093301

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 2139 Bay Line Rd was $6,888, up 3% from the year before.

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		$432,729 (+2.7%)	$554,520 (-1.05%) Land $150,000 Building $404,520
2025	$6,888.00 (+3.01%) Homeowner's exemption	$421,352	$560,400 Land $150,000 Building $410,400
2024	$6,687.00 (+5.89%)
2023	$6,315.00 (-7.47%) Homeowner's exemption	$397,550 (+3.49%)	$461,145 (+20.05%) Land $100,000 Building $361,145
2022	$6,825.00	$384,143 Land $100,000 Building $284,143	$384,143 Land $100,000 Building $284,143

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2139 Bay Line Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
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

Wildfire risk around 2139 Bay Line Rd is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 51% of the US · lower than 78% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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	TOWN OF OAKLAND serves 6,202 people · EPA ID FL3480913
Water Source	Groundwater
Last State Inspection	Feb 2026
Also Mapped Here	OCUD/WESTERN REGIONAL WTR 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	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 95 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Verizon.

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