22 E Miller St, Winter Garden, FL 34787 Property Records

Orange County property record for 22 E Miller St, Winter Garden, FL 34787

Property Summary

Property Type	Store with Apartments
Details	2 bd · 2 ba · 1,993 sqft · built 1924
Lot Size	0.325 acres (14,161 sqft)
Owner	Company Name on Record
Last Sale	$255,000 (Dec 2018)
Tax Bill	$7,265 (2025)
Deeds & Mortgages	Oct 2022 Mortgage Dec 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23-22-27-8900-01-150`

Property Details

APN / Parcel Number

Primary APN	`23-22-27-8900-01-150`
Alternative APNs	`272223890001150` `120370` `121153` `122528`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	1 Room
Stories	1 Story
Building Area	1,993 sqft Gross Area
1st Floor Area	1,474 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1990
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Fire Resistance	Masonry Walls, Wood Interior
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,161 sqft (0.325 acres)
Garage Area	7 sqft
Parking Spaces	7 Parking Spaces

Exterior Amenities

Porch	Florida Room
Porch Area	504 sqft
Deck Area	Deck Area
Canopy	15 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	22 E MILLER ST
City	WINTER GARDEN
State	FL
Zip	34787-3538
Property Category	Commercial
Property Type	Commercial > Retail > Store with Apartments
Local Zoning Code	R-2
Legal Description	FRIES SURVEY OF WINTER GARDEN VININGS ADDITION E/16 LOT 115 (LESS W 2 FT)
Legal Range	27E
Legal Township	22S
Legal Section	23
Legal Subdivision	FRIES SURVEY OF WINTER GARDEN VININGS AD
Legal Tract	8900
Legal Block	1
Legal Lot Number	115
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	1
Census Block	1060
Census Tract	17302

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	Company Name on Record
Mailing Address	550 MANDALAY RD, ORLANDO, FL 32809-3016
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2022	Quit Claim Deed, Transfer · Commercial Mortgage ORLANDO FCU
Dec 26, 2018	Warranty Deed, Transfer · Conventional Mortgage CITADEL SVCNG CORP
Feb 8, 2018	Warranty Deed, Transfer HAVEN TITLE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 26, 2018 · Amount on Record
Deed Sale	Dec 26, 2018 · Amount on Record
Prior Sale	Feb 8, 2018 · Amount on Record
Deed Document Number	2018742687
Last Transfer Date	Oct 13, 2022
Transfer Doc	0000640587
Record Updated	Oct 29, 2026

October 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE FL
Recording Date	Oct 20, 2022
Property Address	22 E MILLER ST, WINTER GARDEN, FL 34787-3538
Document Number	0000640587
Map Reference	MB E PG 16
Instrument Date	Oct 13, 2022
Instrument	20220640587
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	FIRST SIGNATURE TITLE INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	550 MANDALAY RD, 550, ORLANDO, FL 32809-3016

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	550 MANDALAY RD, ORLANDO, FL 32809-3016

Mortgage

Document Number	0000640588
Date	Oct 20, 2022
Instrument	20220640588

Lender

Name	ORLANDO FCU
Type	Credit Union

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 15, 2032

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Dec 26, 2018
Property Address	22 E MILLER ST, WINTER GARDEN, FL 34787-3538
Document Number	0000742687
Instrument Date	Dec 21, 2018
Instrument	742687
Transaction Type	Transfer
Record Updated	Jan 18, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,785.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	550 MANDALAY RD ORLANDO FL 328093016, ORLANDO, FL 32809-3016

Mortgage

Document Number	742688
Date	Dec 26, 2018
Instrument	742688

Lender

Name	CITADEL SVCNG CORP
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 25, 2048

Interest

Rate Type	Adjustable Rate
Rate	7.37%

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Feb 8, 2018
Property Address	22 E MILLER ST, WINTER GARDEN, FL 34787-3538
Document Number	0000077614
Instrument Date	Jan 31, 2018
Instrument	77614
Transaction Type	Transfer
Record Updated	Feb 27, 2018
Title Company	HAVEN TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$927.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 2790 WINDERMERE FL 347862790, WINDERMERE, FL 34786-2790

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		$455,590 (+1%)	$489,435 (-0.99%) Land $212,415 Building $277,020
2025	$7,265.00 (+20.96%)	$414,173 (+1%)	$494,325 (+31.29%) Land $212,415 Building $281,910
2024	$6,006.00 (+4.62%)	$376,521 (+4.33%) Land $138,000 Building $238,521	$376,521 (+4.33%) Land $138,000 Building $238,521
2023	$5,741.00 (+23.97%)	$360,899 (+19.43%) Land $138,000 Building $222,899	$360,899 (+19.43%) Land $138,000 Building $222,899
2022	$4,631.00	$302,183 Land $93,500 Building $208,683	$302,183 Land $93,500 Building $208,683

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 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2024 · 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 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% 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 378 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T, CenturyLink, Metronet, Verizon, Xfinity.

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