2968 Bower Rd, Winter Park, FL 32792 Property Records

Orange County property record for 2968 Bower Rd, Winter Park, FL 32792

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,415 sqft · built 1971
Lot Size	0.305 acres (13,307 sqft)
Owner	2 Individual Names on File
Last Sale	$424,500 (Feb 2017)
Tax Bill	$6,603 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Feb 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-22-30-9442-00-200`

Property Details

APN / Parcel Number

Primary APN	`10-22-30-9442-00-200`
Alternative APNs	`302210944200200` `482442` `488093` `492652`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,415 sqft Living Area
Gross Area	2,982 sqft
1st Floor Area	2,415 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1971
Effective Year Built	Effective 2000
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,307 sqft (0.305 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	105 sqft
Patio Area	2 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2968 BOWER RD
City	WINTER PARK
State	FL
Zip	32792-4504
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	WINTER PARK PINES UNIT 17 3/49 LOT 20
Legal Range	30E
Legal Township	22S
Legal Section	10
Legal Subdivision	WINTER PARK PINES UT 17
Legal Tract	9442
Legal Lot Number	20
Legal Unit	17
Jurisdiction	ORANGE FL
Township / Civil Division	ORLANDO
Census Block Group	3
Census Block	3017
Census Tract	16200

Owner

2968 Bower Rd is owned and occupied by two individuals who bought it in February 2017.

Source: Orange County records, as of June 26, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2968 BOWER RD, WINTER PARK, FL 32792-4504
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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
Apr 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Feb 28, 2017	Warranty Deed, Transfer · Conventional Mortgage CARTUS HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2017 · Amount on File
Deed Sale	Feb 28, 2017 · Amount on File
Prior Sale	Jul 1, 2016 · Amount on File
Deed Document Number	2017107941
Prior Transfer Date	Jul 6, 2016
Prior Transfer Doc	0000357923
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2968 BOWER RD, WINTER PARK, FL 32792-4504
Transaction Type	Mortgage
Record Updated	May 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2968 BOWER RD, WINTER PARK, FL 32792-4504

Mortgage

Document Number	20210261571
Date	Apr 30, 2021
Instrument	20210261571

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2036

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Feb 28, 2017
Property Address	2968 BOWER RD, WINTER PARK, FL 32792-4504
Document Number	0000107941
Instrument Date	Feb 24, 2017
Instrument	107941
Transaction Type	Transfer
Record Updated	Sep 9, 2019
Title Company	BROKERS TITLE/CTRL FL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,971.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2968 BOWER RD WINTER PARK FL 327924504, WINTER PARK, FL 32792-4504

Mortgage

Document Number	107942
Date	Feb 28, 2017
Instrument	107942

Lender

Name	CARTUS HM LNS
Type	Funding / Finance Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 27, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 2968 Bower Rd was $6,603, up 4.4% 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		$434,081 (+2.7%)	$671,030 (-0.97%) Land $270,000 Building $401,030
2025	$6,603.00 (+4.4%) Homeowner's exemption	$422,669	$677,610 Land $270,000 Building $407,610
2024	$6,325.00 (+7.39%)
2023	$5,890.00 (+3.46%) Homeowner's exemption	$398,793 (+3%)	$630,618 (+24.86%) Land $270,000 Building $360,618
2022	$5,693.00 Homeowner's exemption	$387,178	$505,055 Land $200,000 Building $305,055

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

Flood

FEMA maps place 2968 Bower Rd 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
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 2968 Bower Rd is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% 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 156 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 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Metronet, Wire 3, Xfinity.

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