2886 American Elm Cv, Ocoee, FL 34761 Property Records

Orange County property record for 2886 American Elm Cv, Ocoee, FL 34761

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,110 sqft · built 2021
Lot Size	0.167 acres (7,288 sqft)
Owner	2 Individual Names on Record
Last Sale	$500,000 (Oct 2023)
Tax Bill	$6,955 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`33-21-28-0251-03-400`

Property Details

APN / Parcel Number

Primary APN	`33-21-28-0251-03-400`
Alternative APNs	`282133025103400` `215507` `219777` `224286`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,110 sqft Living Area
Gross Area	2,820 sqft
1st Floor Area	2,110 sqft
Flooring	Carpet

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Concrete Block/Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,288 sqft (0.167 acres)
Garage Type	Attached
Garage Area	400 sqft
Porch	Slab
Porch Area	310 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2886 AMERICAN ELM CV
City	OCOEE
State	FL
Zip	34761-8534
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD-LD
Legal Description	ARDEN PARK NORTH PHASE 5 104/33 LOT 340
Legal Range	28E
Legal Township	21S
Legal Section	33
Legal Subdivision	ARDEN PARK NORTH PHASE 5
Legal Phase	5
Legal Block	3
Legal Lot Number	340
Jurisdiction	ORANGE FL
Township / Civil Division	APOPKA
Census Block Group	2
Census Block	2045
Census Tract	17506

Owner

Source: Orange County records, as of October 13, 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	135 DERUSSO ST, HOUMA, LA 70364-2421
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2023	Warranty Deed, Transfer · FHA Mortgage BELL BANK
Sep 2, 2021	Special Warranty Deed, Subdivision Related Transfer · VA Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2023 · Amount on Record
Deed Sale	Oct 4, 2023 · Amount on Record
Prior Sale	Sep 2, 2021 · Amount on Record
Deed Document Number	2023570342
Record Updated	Oct 29, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Oct 4, 2023
Property Address	2886 AMERICAN ELM CV, OCOEE, FL 34761-8534
Document Number	0000570342
Map Reference	MB 104 PG 33-38
Instrument Date	Sep 28, 2023
Instrument	20230570342
Transaction Type	Transfer
Record Updated	Oct 18, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17840 BROOKFIELD CIR, ORLAND PARK, IL 60467-8530

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	135 DERUSSO ST, HOUMA, LA 70364-2421

Mortgage

Document Number	0000570345
Date	Oct 4, 2023
Instrument	20230570345

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2053

September 2021: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Sep 2, 2021
Property Address	2886 AMERICAN ELM CV, OCOEE, FL 34761-8534
Document Number	0000537904
Map Reference	MB 104 PG 33-38
Instrument Date	Aug 27, 2021
Instrument	20210537904
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 16, 2023
Title Company	THE CLOSING BOUTIQUE LLC, THE CLOSING AGENT LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,738.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6675 WESTWOOD BLVD # BLVD5TH, BLVD5TH, ORLANDO, FL 32821-8061

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2886 AMERICAN ELM CV, OCOEE, FL 34761-8534

Mortgage

Document Number	0000537905
Date	Sep 2, 2021
Instrument	20210537905

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

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		$421,100 (+0.02%) Land $65,000 Building $356,100	$421,100 (-1.19%) Land $65,000 Building $356,100
2025	$6,955.00 (+5.57%) Homeowner's exemption	$421,032 (+23.03%)	$426,190 (+11.23%) Land $65,000 Building $361,190
2024	$6,588.00 (+20.39%)
2023	$5,472.00 (+3.71%) Homeowner's exemption	$342,216 (+3.61%)	$383,163 (+16%) Land $65,000 Building $318,163
2022	$5,276.00 Homeowner's exemption	$330,307 Land $65,000 Building $265,307	$330,307 Land $65,000 Building $265,307

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 15 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	15 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	Moderate above 62% of the US · lower than 63% of Florida
Wildfire Likelihood	0.2% 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	OCUD/SOUTHERN WATER SYS (5 WPS) serves 80,738 people · EPA ID FL3484119
Water Source	Groundwater
Last State Inspection	May 2024
Lead	2 ppb (2025) 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 175 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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