2221 Mountain Spruce St, Ocoee, FL 34761 Property Records

Orange County property record for 2221 Mountain Spruce St, Ocoee, FL 34761

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,650 sqft · built 2000
Lot Size	0.257 acres (11,205 sqft)
Owner	Individual Name on Record
Last Sale	$280,000 (Aug 2004)
Tax Bill	$4,577 (2025)
Deeds & Mortgages	Nov 2021 Line of Credit Jun 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`04-22-28-7247-00-320`

Property Details

APN / Parcel Number

Primary APN	`04-22-28-7247-00-320`
Alternative APNs	`282204724700320` `225269` `229801` `234308`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,650 sqft Living Area
Gross Area	4,871 sqft
1st Floor Area	1,771 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,205 sqft (0.257 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	449 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	2221 MOUNTAIN SPRUCE ST
City	OCOEE
State	FL
Zip	34761-7653
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	PRAIRIE LAKE VILLAGE PHASE 3 40/57 LOT 32
Legal Range	28E
Legal Township	22S
Legal Section	04
Legal Subdivision	PRAIRIE LAKE VILLAGE PH 3
Legal Phase	3
Legal Tract	7247
Legal Block	2
Legal Lot Number	32
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	2
Census Block	2009
Census Tract	15006

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	Individual Name on Record
Mailing Address	2221 MOUNTAIN SPRUCE ST, OCOEE, FL 34761-7653
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2021	Deed of Trust, Mortgage · Line of Credit PARTNERS FCU
Jun 29, 2023	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Sep 19, 2017	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Aug 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage ROYAL PACIFIC FNDG
Mar 12, 2020	Deed of Trust, Mortgage · Line of Credit PNC BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 20, 2004 · Amount on Record
Deed Sale	Aug 20, 2004 · Amount on Record
Prior Sale	Aug 20, 2004 · Amount on Record
Deed Document Number	2004534460
Deed Book / Page	7582 / 1604
Last Transfer Date	Dec 12, 2006
Transfer Doc	0000838180
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2221 MOUNTAIN SPRUCE ST, OCOEE, FL 34761-7653
Transaction Type	Mortgage
Record Updated	Dec 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2221 MOUNTAIN SPRUCE ST, OCOEE, FL 34761-7653

Mortgage

Document Number	0000700657
Date	Nov 15, 2021
Instrument	20210700657

Lender

Name	PARTNERS FCU
Type	Credit Union
Address	ORLANDO, FL 32821

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Nov 14, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2221 MOUNTAIN SPRUCE ST, OCOEE, FL 34761-7653
Transaction Type	Mortgage
Record Updated	Dec 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2221 MOUNTAIN SPRUCE ST, OCOEE, FL 34761-7653

Mortgage

Document Number	0000366525
Date	Jun 29, 2023
Instrument	20230366525

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2221 MOUNTAIN SPRUCE ST, OCOEE, FL 34761-7653
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000511895
Date	Sep 19, 2017
Instrument	20170511895

Lender

Name	PNC BANK NA
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Sep 7, 2057

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2221 MOUNTAIN SPRUCE ST, OCOEE, FL 34761-7653
Document Number	0000454773
Instrument Date	Aug 21, 2020
Transaction Type	Mortgage
Record Updated	Sep 21, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2221 MOUNTAIN SPRUCE ST OCOEE FL 347617653, OCOEE, FL 34761-7653

Mortgage

Document Number	0000454773
Date	Aug 28, 2020
Instrument	454773

Lender

Name	ROYAL PACIFIC FNDG
Type	Funding / Finance Company
Address	COSTA MESA, CA 92624

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 27, 2050

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2221 MOUNTAIN SPRUCE ST, OCOEE, FL 34761-7653
Document Number	0000214871
Instrument Date	Mar 12, 2020
Transaction Type	Mortgage
Record Updated	May 4, 2020
Title Company	CONSUMER LOAN SERVICES, CONSUMER LN SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2221 MOUNTAIN SPRUCE ST OCOEE FL 347617653, OCOEE, FL 34761-7653

Mortgage

Document Number	0000214871
Date	Apr 3, 2020
Instrument	214871

Lender

Name	PNC BK
Type	Bank
Address	ORLANDO, FL 32835

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Apr 2, 2060

Interest

Rate Type	Adjustable Rate

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		$274,602 (+2.7%)	$481,370 (-0.96%) Land $85,000 Building $396,370
2025	$4,577.00 (+8.74%) Homeowner's exemption	$267,383 (+5.99%)	$486,040 (+10.85%) Land $85,000 Building $401,040
2024	$4,209.00 (+3.39%)
2023	$4,071.00 (+3.19%) Homeowner's exemption	$252,279 (+3%)	$438,483 (+17.77%) Land $85,000 Building $353,483
2022	$3,945.00 Homeowner's exemption	$244,931	$372,315 Land $75,000 Building $297,315

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 17 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	17 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 94% of the US · lower than 94% of Florida
Wildfire Likelihood	0.03% 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	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 196 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink.

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