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2228 Mountain Spruce St, Ocoee, FL 34761 Property Records

Orange County property record for 2228 Mountain Spruce St, Ocoee, FL 34761 · Last verified June 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 3,038 sqft · built 1999
Lot Size0.284 acres (12,386 sqft)
OwnerIndividual Name on File
Last Sale$530,000 (May 2026)
Tax Bill$7,692 (2025)
Deeds & MortgagesMay 2026 Sale & Mortgage
May 2026 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN04-22-28-7247-00-190

Property Details

APN / Parcel Number

Primary APN04-22-28-7247-00-190
Alternative APNs
  • 282204724700190
  • 225253
  • 229786
  • 234292

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories2 Stories
Building Area3,038 sqft Living Area
Gross Area3,975 sqft
1st Floor Area1,726 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1999
Effective Year BuiltEffective 1999
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area12,386 sqft (0.284 acres)
Garage TypeAttached
Garage Area399 sqft
Parking Spaces1 Parking Space
PorchFinished/Open Porch
Porch Area306 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address2228 MOUNTAIN SPRUCE ST
CityOCOEE
StateFL
Zip34761-7654
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionPRAIRIE LAKE VILLAGE PHASE 3 40/57 LOT 19
Legal Range28E
Legal Township22S
Legal Section04
Legal SubdivisionPRAIRIE LAKE VILLAGE PH 3
Legal Phase3
Legal Tract7247
Legal Lot Number19
JurisdictionORANGE FL
Township / Civil DivisionWINTER GARDEN-OCOEE
Census Block Group2
Census Block2008
Census Tract15006

Owner

Source: Orange County records · APN 04-22-28-7247-00-190

Assessment roll updated April 30, 2026 · Last verified June 2026

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

Owner of RecordIndividual Name on File
Mailing Address2228 MOUNTAIN SPRUCE ST, OCOEE, FL 34761-7654
OccupancyOwner Occupied
Owner TypeIndividual
VestingHis Wife

Deeds, Mortgages & Sale History

DateDocument
May 04, 2026Warranty Deed, Transfer · FHA Mortgage
UNITED WHOLESALE MORTGAGE
May 04, 2026Deed of Trust, Mortgage · FHA Mortgage
UNITED WHOLESALE MORTGAGE
Jun 08, 2023Warranty Deed, Transfer · FHA Mortgage
BANK OF ENGLAND
Nov 19, 2018Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMay 04, 2026 · Amount on Record
Deed SaleMay 04, 2026 · Amount on Record
Prior SaleJun 08, 2023 · Amount on Record
Deed Document Number2026253073
Prior Transfer DateNov 15, 2018
Prior Transfer Doc0000674465
Record UpdatedSep 20, 2026

May 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionORANGE FL
Recording DateMay 04, 2026
Property Address2228 MOUNTAIN SPRUCE ST, OCOEE, FL 34761-7654
Document Number0000253073
Instrument DateApr 30, 2026
Instrument2026.253073
Transaction TypeTransfer
Record UpdatedMay 13, 2026
Title CompanyINVESTORS TITLE INSURANCE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$374,710.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2228 MOUNTAIN SPRUCE ST, OCOEE, FL 34761-7654

Mortgage

Document Number0000253074,
DateMay 04, 2026
Instrument2026.253074
Lender
NameUNITED WHOLESALE MORTGAGE
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueMay 01, 2056
Interest
Rate6.46%
Max Rate-1%

May 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionORANGE FL
Recording DateMay 04, 2026
Property Address2228 MOUNTAIN SPRUCE ST, OCOEE, FL 34761-7654
Document Number0000253074
Instrument DateApr 30, 2026
Instrument2026253074
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanySIMPLIFILE

Transferred To (Grantee/Buyer)

NameVerified Name
Address1802 BAYWOOD AVE, ORLANDO, FL 32818-5807

Mortgage

Document Number0000253074,
DateMay 04, 2026
Instrument2026253074
Lender
NameUNITED WHOLESALE MORTGAGE
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueMay 01, 2056
Interest
Rate6.46%
Max Rate-1%

June 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionORANGE FL
Recording DateJun 08, 2023
Property Address2228 MOUNTAIN SPRUCE ST, OCOEE, FL 34761-7654
Document Number0000321915
Map ReferenceMB 40 PG 57&58
Instrument DateJun 02, 2023
Instrument20230321915
Transaction TypeTransfer
Record UpdatedDec 09, 2025
Title CompanyCELEBRATION TITLE GROUP

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,570.00
Amount AccuracyRounded by County
Additional
  • Lis Pendens
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1967 ASPENRIDGE CT, OCOEE, FL 34761-7666

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address2228 MOUNTAIN SPRUCE ST, OCOEE, FL 34761-7654

Mortgage

Document Number0000321918
DateJun 08, 2023
Instrument20230321918
Lender
NameBANK OF ENGLAND
TypeBank
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2053

November 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionORANGE FL
Recording DateNov 19, 2018
Property Address2228 MOUNTAIN SPRUCE ST, OCOEE, FL 34761-7654
Document Number0000674465
Instrument DateNov 15, 2018
Instrument674465
Transaction TypeTransfer
Record UpdatedDec 11, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$0.70
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address2228 MOUNTAIN SPRUCE ST OCOEE FL 347617654, OCOEE, FL 34761-7654

Tax Assessment & Valuation

Source: Orange County records · Assessment roll updated April 30, 2026 · Last verified June 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOrange County
MunicipalityOcoee City
Unified School DistrictOrange County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$415,430 (-1.33%) Land $85,000 Building $330,430$415,430 (-1.33%) Land $85,000 Building $330,430
2025$7,692.00 (+6.58%)$421,050 (+50.61%) Land $85,000 Building $336,050$421,050 (+10.41%) Land $85,000 Building $336,050
2024$7,217.00 (+60.95%)
2023$4,484.00 (+3.18%) Homeowner's exemption$279,570 (+3%)$381,350 (+17.58%) Land $85,000 Building $296,350
2022$4,346.00 Homeowner's exemption$271,427$324,323 Land $75,000 Building $249,323

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Orange County (12095C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskModerate
above 62% of the US · above 37% of Florida
Wildfire LikelihoodAbout 1 in 714 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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