2809 Bower Rd, Winter Park, FL 32792 Property Records

Orange County property record for 2809 Bower Rd, Winter Park, FL 32792

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,488 sqft · built 1965
Lot Size	0.184 acres (8,028 sqft)
Owner	2 Individual Names on Record
Last Sale	$458,900 (Nov 2020)
Tax Bill	$10,216 (2025)
Deeds & Mortgages	May 2026 Line of Credit Feb 2026 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`09-22-30-9664-04-210`

Property Details

APN / Parcel Number

Primary APN	`09-22-30-9664-04-210`
Alternative APNs	`302209966404210` `480925` `486577` `491138`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	1 Room
Stories	1 Story
Building Area	1,488 sqft Living Area
Gross Area	2,100 sqft
1st Floor Area	1,488 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1989
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,028 sqft (0.184 acres)
Garage Type	Attached
Garage Area	528 sqft
Porch	Finished/Open Porch
Porch Area	168 sqft
Gazebo	Gazebo

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2809 BOWER RD
City	WINTER PARK
State	FL
Zip	32792-4807
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	WINTER PARK PINES UNIT 5 Z/91 LOT 21 BLK D
Legal Range	30E
Legal Township	22S
Legal Section	09
Legal Subdivision	WINTER PARK PINES UT 5
Legal Tract	9664
Legal Block	D
Legal Lot Number	21
Legal Unit	5
Jurisdiction	ORANGE FL
Township / Civil Division	ORLANDO
Census Block Group	3
Census Block	3012
Census Tract	16200

Owner

Source: Orange County records, as of June 30, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	1817 PINEVIEW CIR, WINTER PARK, FL 32792-2517
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 14, 2026	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC
Feb 25, 2026	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Nov 16, 2020	Warranty Deed, Transfer · Conventional with PMI HOMEBRIDGE FIN'L SVCS INC
Sep 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BK
Mar 2, 2017	Warranty Deed, Transfer · Conventional Mortgage PRIME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2020 · Amount on Record
Deed Sale	Nov 16, 2020 · Amount on Record
Prior Sale	Feb 1, 2017 · Amount on Record
Deed Document Number	2020599000
Last Transfer Date	May 9, 2024
Transfer Doc	0000271869
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Recording Date	May 14, 2026
Property Address	2809 BOWER RD, WINTER PARK, FL 32792-4807
Document Number	0000272261
Instrument Date	May 11, 2026
Instrument	2026272261
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SIMPLIFILE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	1817 PINEVIEW CIR, WINTER PARK, FL 32792-2517

Mortgage

Document Number	0000272261,
Date	May 14, 2026
Instrument	2026272261

Lender

Name	SPRING EQ LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 1, 2046

Interest

Rate	6.37%
Max Rate	-1%

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE FL
Recording Date	Feb 25, 2026
Property Address	2809 BOWER RD, WINTER PARK, FL 32792-4807
Document Number	0000112342
Map Reference	MB Z PG 91
Instrument Date	Feb 24, 2026
Instrument	20260112342
Transaction Type	Transfer
Record Updated	Mar 20, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1817 PINEVIEW CIR, WINTER PARK, FL 32792-2517

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1817 PINEVIEW CIR, WINTER PARK, FL 32792-2517

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Nov 16, 2020
Property Address	2809 BOWER RD, WINTER PARK, FL 32792-4807
Document Number	0000599000
Instrument Date	Nov 6, 2020
Instrument	599000
Transaction Type	Transfer
Record Updated	Dec 1, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,212.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2809 BOWER RD WINTER PARK FL 327924807, WINTER PARK, FL 32792-4807

Mortgage

Document Number	599001
Date	Nov 16, 2020
Instrument	599001

Lender

Name	HOMEBRIDGE FIN'L SVCS INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 15, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2809 BOWER RD, WINTER PARK, FL 32792-4807
Document Number	0000610150
Instrument Date	Sep 24, 2019
Transaction Type	Mortgage
Record Updated	May 7, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2809 BOWER RD WINTER PARK FL 327924807, WINTER PARK, FL 32792-4807

Mortgage

Document Number	0000610150
Date	Oct 1, 2019
Instrument	610150

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 30, 2034

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Mar 2, 2017
Property Address	2809 BOWER RD, WINTER PARK, FL 32792-4807
Document Number	0000112087
Instrument Date	Feb 28, 2017
Instrument	112087
Transaction Type	Transfer
Record Updated	Aug 29, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,575.82
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2809 BOWER RD WINTER PARK FL 327924807, WINTER PARK, FL 32792-4807

Mortgage

Document Number	112088
Date	Mar 2, 2017
Instrument	112088

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

Source: Orange County assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Orange County
Unified School District	Orange County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$599,900 (-1.14%) Land $270,000 Building $329,900	$599,900 (-1.14%) Land $270,000 Building $329,900
2025	$10,216.00 (+3.42%)	$606,830 (+47.13%) Land $270,000 Building $336,830	$606,830 (+6.98%) Land $270,000 Building $336,830
2024	$9,878.00 (+61.91%)
2023	$6,101.00 (+3.42%) Homeowner's exemption	$412,456 (+3%)	$567,222 (+25.35%) Land $270,000 Building $297,222
2022	$5,899.00 Homeowner's exemption	$400,443	$452,512 Land $200,000 Building $252,512

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 22 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	22 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 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	WINTER PARK, CITY OF (3 WPS) serves 82,984 people · EPA ID FL3481482
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 524 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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