2939 Bower Rd, Winter Park, FL 32792 Property Records

Orange County property record for 2939 Bower Rd, Winter Park, FL 32792

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,870 sqft · built 1971
Lot Size	0.236 acres (10,278 sqft)
Owner	2 Individual Names on File
Last Sale	$356,614 (Aug 2017)
Tax Bill	$2,985 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10-22-30-9442-00-350`

Property Details

APN / Parcel Number

Primary APN	`10-22-30-9442-00-350`
Alternative APNs	`302210944200350` `482462` `488111` `492669`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,870 sqft Living Area
Gross Area	2,484 sqft
1st Floor Area	1,870 sqft
Flooring	Carpet
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1991
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,278 sqft (0.236 acres)
Garage Type	Attached
Garage Area	558 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	56 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2939 BOWER RD
City	WINTER PARK
State	FL
Zip	32792-4503
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	WINTER PARK PINES UNIT 17 3/49 LOT 35
Legal Range	30E
Legal Township	22S
Legal Section	10
Legal Subdivision	WINTER PARK PINES UT 17
Legal Tract	9442
Legal Lot Number	35
Legal Unit	17
Jurisdiction	ORANGE FL
Township / Civil Division	ORLANDO
Census Block Group	3
Census Block	3019
Census Tract	16200

Owner

2939 Bower Rd is owned and occupied by two individuals who bought it in August 2017.

Source: Orange County records, as of August 18, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	2939 BOWER RD, WINTER PARK, FL 32792-4503
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICA'S MONEY SOURCE INC
Apr 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage DISCOVER BK
Aug 3, 2017	Warranty Deed, Transfer · Conventional with PMI ACOPIA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2017 · Amount on File
Deed Sale	Aug 3, 2017 · Amount on File
Prior Sale	Jul 2, 1998 · Amount on File
Deed Document Number	2017431792
Prior Transfer Date	Dec 16, 2003
Prior Transfer Doc	0000721103
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Recording Date	Aug 10, 2026
Property Address	2939 BOWER RD, WINTER PARK, FL 32792-4503
Document Number	0000442551
Instrument Date	Aug 3, 2026
Instrument	2026442551
Transaction Type	Mortgage
Record Updated	Aug 18, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2939 BOWER RD, WINTER PARK, FL 32792-4503

Mortgage

Document Number	0000442551,
Date	Aug 10, 2026
Instrument	2026442551

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Sep 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.43%
Initial Type	Fixed Rate
Max Rate	-1%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2939 BOWER RD, WINTER PARK, FL 32792-4503
Document Number	0000572618
Instrument Date	Oct 21, 2020
Transaction Type	Mortgage
Record Updated	Nov 16, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2939 BOWER RD WINTER PARK FL 327924503, WINTER PARK, FL 32792-4503

Mortgage

Document Number	0000572618
Date	Nov 3, 2020
Instrument	572618

Lender

Name	AMERICA'S MONEY SOURCE INC
Address	ORLANDO, FL 32806

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Nov 2, 2040

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2939 BOWER RD, WINTER PARK, FL 32792-4503
Document Number	0000262528
Instrument Date	Apr 22, 2020
Transaction Type	Mortgage
Record Updated	May 15, 2020
Title Company	AACCURATE TITLE SERVICES, AACCURATE TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2939 BOWER RD WINTER PARK FL 327924503, WINTER PARK, FL 32792-4503

Mortgage

Document Number	0000262528
Date	May 1, 2020
Instrument	262528

Lender

Name	DISCOVER BK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 30, 2050

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Aug 3, 2017
Property Address	2939 BOWER RD, WINTER PARK, FL 32792-4503
Document Number	0000431792
Instrument Date	Aug 2, 2017
Instrument	431792
Transaction Type	Transfer
Record Updated	Sep 10, 2019
Title Company	TITLE TEAM LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,498.30
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	2939 BOWER RD WINTER PARK FL 327924503, WINTER PARK, FL 32792-4503

Mortgage

Document Number	431793
Date	Aug 3, 2017
Instrument	431793

Lender

Name	ACOPIA
Address	GOODLETTSVILLE, TN 37072

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 2, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 2939 Bower Rd was $2,985, up 6.4% from the year before.

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		$203,058 (+2.7%)	$583,000 (-0.93%) Land $270,000 Building $313,000
2025	$2,985.00 (+6.42%) Homeowner's exemption	$197,720	$588,450 Land $270,000 Building $318,450
2024	$2,805.00 (+7.51%)
2023	$2,609.00 (+4.53%) Homeowner's exemption	$186,551 (+3%)	$552,569 (+25.57%) Land $270,000 Building $282,569
2022	$2,496.00 Homeowner's exemption	$181,117	$440,033 Land $200,000 Building $240,033

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

Flood

FEMA maps place 2939 Bower Rd in Zone X, an area of minimal flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 2939 Bower Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.7% 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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