Orange County property record for 2278 Wintermere Pointe Dr, Winter Garden, FL 34787
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,693 sqft · built 2004 |
| Lot Size | 0.261 acres (11,351 sqft) |
| Owner | Individual Name on File |
| Last Sale | $795,000 (Jan 2024) |
| Tax Bill | $9,664 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Jan 2024 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-23-27-9154-00-790 |
| Primary APN | 02-23-27-9154-00-790 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,693 sqft Living Area |
| Gross Area | 3,664 sqft |
| 1st Floor Area | 2,693 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,351 sqft (0.261 acres) |
| Garage Type | Attached |
| Garage Area | 579 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 392 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 2278 WINTERMERE POINTE DR |
|---|---|
| City | WINTER GARDEN |
| State | FL |
| Zip | 34787-5438 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | WINTERMERE POINTE PH 2 46/141 LOT 79 |
| Legal Range | 27E |
| Legal Township | 23S |
| Legal Section | 02 |
| Legal Subdivision | WINTERMERE POINTE PH 2 |
| Legal Phase | 2 |
| Legal Tract | 9154 |
| Legal Lot Number | 79 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 4 |
| Census Block | 4024 |
| Census Tract | 17117 |
2278 Wintermere Pointe Dr is owned and occupied by an individual who bought it in January 2024.
Source: Orange County records, as of April 30, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2278 WINTERMERE POINTE DR, WINTER GARDEN, FL 34787-5438 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 13, 2026 | Deed of Trust, Mortgage · Conventional Mortgage REACH HOME LOANS LLC |
| Jan 11, 2024 | Warranty Deed, Transfer · Conventional Mortgage REACH HOME LOANS LLC |
| Jan 6, 2020 | Loan Modification, Mortgage · Line of Credit SEACOAST NAT'L BK |
| Mar 30, 2018 | Deed of Trust, Mortgage · Line of Credit SEACOAST NAT'L BK |
| Jan 3, 2018 | Warranty Deed, Transfer · Conventional Mortgage SEACOAST NATIONAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 11, 2024 · Amount on File |
| Deed Sale | Jan 11, 2024 · Amount on File |
| Prior Sale | Jan 3, 2018 · Amount on File |
| Deed Document Number | 202420469 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 2278 WINTERMERE POINTE DR, WINTER GARDEN, FL 34787-5438 |
| Transaction Type | Mortgage |
| Record Updated | Feb 26, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2278 WINTERMERE POINTE DR, WINTER GARDEN, FL 34787-5438 |
| Document Number | 0000088607 |
|---|---|
| Date | Feb 13, 2026 |
| Instrument | 20260088607 |
| Name | REACH HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | BOCA RATON, FL 33432 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Jan 11, 2024 |
| Property Address | 2278 WINTERMERE POINTE DR, WINTER GARDEN, FL 34787-5438 |
| Document Number | 0000020469 |
| Map Reference | MB 46 PG 141-147 |
| Instrument Date | Jan 8, 2024 |
| Instrument | 20240020469 |
| Transaction Type | Transfer |
| Record Updated | Jan 29, 2024 |
| Title Company | EQUITABLE TITLE/W ORLANDO LLC, EQUITABLE TTL OF WEST ORLAND |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,565.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2278 WINTERMERE POINTE DR, WINTER GARDEN, FL 34787-5438 |
| Document Number | 0000020470 |
|---|---|
| Date | Jan 11, 2024 |
| Instrument | 20240020470 |
| Name | REACH HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2054 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 2278 WINTERMERE POINTE DR, WINTER GARDEN, FL 34787-5438 |
| Document Number | 0000025867 |
| Instrument Date | Jan 6, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2278 WINTERMERE POINTE DR WINTER GARDEN FL 347875438, WINTER GARDEN, FL 34787-5438 |
| Document Number | 0000025867 |
|---|---|
| Date | Jan 14, 2020 |
| Instrument | 25867 |
| Name | SEACOAST NAT'L BK |
|---|---|
| Type | Bank |
| Address | STUART, FL 34995 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 2278 WINTERMERE POINTE DR, WINTER GARDEN, FL 34787-5438 |
| Document Number | 0000212977 |
| Instrument Date | Mar 30, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2278 WINTERMERE POINTE DR WINTER GARDEN FL 347875438, WINTER GARDEN, FL 34787-5438 |
| Document Number | 0000212977 |
|---|---|
| Date | Apr 10, 2018 |
| Instrument | 212977 |
| Name | SEACOAST NAT'L BK |
|---|---|
| Type | Bank |
| Address | STUART, FL 34995 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 9, 2033 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Jan 3, 2018 |
| Property Address | 2278 WINTERMERE POINTE DR, WINTER GARDEN, FL 34787-5438 |
| Document Number | 0000004545 |
| Map Reference | MB 46 PG 141-147 |
| Instrument Date | Dec 29, 2017 |
| Instrument | 20180004545 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2022 |
| Title Company | EQUITABLE TITLE OF WEST ORLA |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,366.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2278 WINTERMERE POINTE DR, WINTER GARDEN, FL 34787-5438 |
| Document Number | 0000004546 |
|---|---|
| Date | Jan 3, 2018 |
| Instrument | 20180004546 |
| Name | SEACOAST NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2048 |
The 2025 property tax bill for 2278 Wintermere Pointe Dr was $9,664, down 0.9% from the year before.
Source: Orange County assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Municipality | Winter Garden City |
| Unified School District | Orange County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $582,690 (-8.05%) Land $135,000 Building $447,690 | $582,690 (-8.05%) Land $135,000 Building $447,690 | |
| 2025 | $9,664.00 (-0.91%) | $633,680 Land $135,000 Building $498,680 | $633,680 Land $135,000 Building $498,680 |
| 2024 | $9,753.00 (+92.44%) | ||
| 2023 | $5,068.00 (+3.01%) Homeowner's exemption | $358,466 (+3%) | $560,999 (+12.66%) Land $135,000 Building $425,999 |
| 2022 | $4,920.00 Homeowner's exemption | $348,025 | $497,959 Land $135,000 Building $362,959 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 2278 Wintermere Pointe Dr 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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 10 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 10 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 risk around 2278 Wintermere Pointe Dr is moderate, ranking above 48% 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 48% of the US · lower than 81% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 111 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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