2428 Johio Bay Dr, Ocoee, FL 34761 Property Records

Orange County property record for 2428 Johio Bay Dr, Ocoee, FL 34761

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,950 sqft · built 1999
Lot Size	0.186 acres (8,099 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Feb 2015)
Tax Bill	$3,400 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Mar 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`16-22-28-3998-00-040`

Property Details

APN / Parcel Number

Primary APN	`16-22-28-3998-00-040`
Alternative APNs	`282216399800040` `240055` `244893` `249466`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,950 sqft Living Area
Gross Area	2,709 sqft
1st Floor Area	1,950 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	8,099 sqft (0.186 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	339 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2428 JOHIO BAY DR
City	OCOEE
State	FL
Zip	34761-7003
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	JOHIO BAY SUB 28/3 LOT 4
Legal Range	28E
Legal Township	22S
Legal Section	16
Legal Subdivision	JOHIO BAY SUB
Legal Tract	3998
Legal Lot Number	4
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	1
Census Block	1010
Census Tract	15005

Owner

2428 Johio Bay Dr is owned and occupied by an individual who bought it in February 2015.

Source: Orange County records, as of May 4, 2026

Owner of Record	Individual Name on File
Mailing Address	2428 JOHIO BAY DR, OCOEE, FL 34761-7003
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Mar 30, 2022	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
May 10, 2018	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jul 18, 2019	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jul 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 24, 2015 · Amount on File
Deed Sale	Feb 24, 2015 · Amount on File
Prior Sale	Oct 29, 2014 · Amount on File
Deed Document Number	201596669
Deed Book / Page	10880 / 1162
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2428 JOHIO BAY DR, OCOEE, FL 34761-7003
Transaction Type	Mortgage
Record Updated	Sep 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2428 JOHIO BAY DR, OCOEE, FL 34761-7003

Mortgage

Document Number	0000410962
Date	Jul 9, 2021
Instrument	20210410962

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2428 JOHIO BAY DR, OCOEE, FL 34761-7003
Transaction Type	Mortgage
Record Updated	Sep 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2428 JOHIO BAY DR, OCOEE, FL 34761-7003

Mortgage

Document Number	0000205350
Date	Mar 30, 2022
Instrument	20220205350

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2428 JOHIO BAY DR, OCOEE, FL 34761-7003
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000279220
Date	May 10, 2018
Instrument	20180279220

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2428 JOHIO BAY DR, OCOEE, FL 34761-7003
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000441260
Date	Jul 18, 2019
Instrument	20190441260

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2428 JOHIO BAY DR, OCOEE, FL 34761-7003
Document Number	0000644848
Instrument Date	Jul 27, 2020
Transaction Type	Mortgage
Record Updated	Dec 30, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2428 JOHIO BAY DR OCOEE FL 347617003, OCOEE, FL 34761-7003

Mortgage

Document Number	0000644848
Date	Dec 10, 2020
Instrument	644848

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 9, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2428 Johio Bay Dr was $3,400, up 8.6% from the year before.

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		$209,609 (+2.7%)	$363,710 (-1.33%) Land $77,000 Building $286,710
2025	$3,400.00 (+8.63%) Homeowner's exemption	$204,098	$368,620 Land $77,000 Building $291,620
2024	$3,130.00 (+3.51%)
2023	$3,024.00 (+3.49%) Homeowner's exemption	$192,569 (+3%)	$327,046 (+14.36%) Land $70,000 Building $257,046
2022	$2,922.00 Homeowner's exemption	$186,960	$285,984 Land $70,000 Building $215,984

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

Flood

FEMA maps place 2428 Johio Bay 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	2 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

Wildfire risk around 2428 Johio Bay Dr is low, with a 0.03% annual chance of 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 95% 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 382 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Xfinity.

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