2325 Mountain Spruce St, Ocoee, FL 34761 Property Records

Orange County property record for 2325 Mountain Spruce St, Ocoee, FL 34761

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,846 sqft · built 1999
Lot Size	0.259 acres (11,289 sqft)
Owner	2 Company Names on File
Last Sale	$277,500 (Jun 1999)
Tax Bill	$4,861 (2025)
Deeds & Mortgages	Jan 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`04-22-28-7247-00-020`

Property Details

APN / Parcel Number

Primary APN	`04-22-28-7247-00-020`
Alternative APNs	`282204724700020` `225232` `229765` `234270`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,846 sqft Living Area
Gross Area	5,216 sqft
1st Floor Area	3,144 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,289 sqft (0.259 acres)
Garage Type	Attached
Garage Area	702 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	544 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2325 MOUNTAIN SPRUCE ST
City	OCOEE
State	FL
Zip	34761-7618
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	PRAIRIE LAKE VILLAGE PHASE 3 40/57 LOT 2
Legal Range	28E
Legal Township	22S
Legal Section	04
Legal Subdivision	PRAIRIE LAKE VILLAGE PH 3
Legal Phase	3
Legal Tract	7247
Legal Lot Number	2
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	2
Census Block	2007
Census Tract	15006

Owner

Source: Orange County assessment roll, APN 04-22-28-7247-00-020, as of April 30, 2026 · Last verified May 2026

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

Owner of Record	2 Company Names on File
Mailing Address	2325 MOUNTAIN SPRUCE ST, OCOEE, FL 34761-7618
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 09, 1999 · Amount on Record
Deed Sale	Jun 09, 1999 · Amount on Record
Deed Book / Page	5769 / 2622
Last Transfer Date	May 20, 2009
Transfer Doc	0000303236
Record Updated	Jun 08, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2325 MOUNTAIN SPRUCE ST, OCOEE, FL 34761-7618
Document Number	0000072069
Instrument Date	Jan 10, 2019
Transaction Type	Mortgage
Record Updated	Feb 25, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	2325 MOUNTAIN SPRUCE ST OCOEE FL 347617618, OCOEE, FL 34761-7618

Mortgage

Document Number	0000072069
Date	Feb 05, 2019
Instrument	72069

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 04, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Orange County assessment roll as of April 30, 2026 · Last verified May 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$292,399 (+2.7%)	$501,160 (-1.48%) Land $85,000 Building $416,160
2025	$4,861.00 (+8.38%) Homeowner's exemption	$284,712 (+5.99%)	$508,690 (+11.59%) Land $85,000 Building $423,690
2024	$4,485.00 (+3.36%)
2023	$4,339.00 (+3.19%) Homeowner's exemption	$268,629 (+3%)	$455,876 (+17%) Land $85,000 Building $370,876
2022	$4,205.00 Homeowner's exemption	$260,805	$389,639 Land $75,000 Building $314,639

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Orange County (12095C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120950150062, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Moderate above 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, 196 locations within half a mile, as of December 31, 2025 · Last verified October 2026

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

May also be available: Lumen Technologies.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL3480204, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	OCOEE, CITY OF (2 WPS) serves 34,000 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.