3112 Shadow Pond Ter, Winter Garden, FL 34787 Property Records

Orange County property record for 3112 Shadow Pond Ter, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,446 sqft · built 1997
Lot Size	0.5 acres (21,795 sqft)
Owner	2 Individual Names on File
Last Sale	$337,000 (Dec 2009)
Tax Bill	$5,429 (2025)
Deeds & Mortgages	Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-23-27-8455-00-820`

Property Details

APN / Parcel Number

Primary APN	`02-23-27-8455-00-820`
Alternative APNs	`272302845500820` `131515` `132300` `133814`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,446 sqft Living Area
Gross Area	3,329 sqft
1st Floor Area	2,446 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Concrete Block/Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,795 sqft (0.5 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	442 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3112 SHADOW POND TER
City	WINTER GARDEN
State	FL
Zip	34787-5431
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-CE-C
Legal Description	SUNSET LAKES 26/83 LOT 82
Legal Range	27E
Legal Township	23S
Legal Section	02
Legal Subdivision	SUNSET LAKES
Legal Tract	8455
Legal Lot Number	82
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1029
Census Tract	17120

Owner

3112 Shadow Pond Ter is owned and occupied by two individuals who bought it in December 2009.

Source: Orange County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3112 SHADOW POND TER, WINTER GARDEN, FL 34787-5431
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2009 · Amount on File
Deed Sale	Dec 1, 2009 · Amount on File
Prior Sale	Sep 2, 1999 · Amount on File
Deed Document Number	2009700028
Deed Book / Page	9969 / 2654
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	3112 SHADOW POND TER, WINTER GARDEN, FL 34787-5431
Document Number	0000483211
Instrument Date	Sep 9, 2020
Transaction Type	Mortgage
Record Updated	Sep 24, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3112 SHADOW POND TER WINTER GARDEN FL 347875431, WINTER GARDEN, FL 34787-5431

Mortgage

Document Number	0000483211
Date	Sep 15, 2020
Instrument	483211

Lender

Name	STOCKTON MTG
Type	Mortgage Company
Address	FRANKFORT, KY 40601

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 14, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 3112 Shadow Pond Ter was $5,429, up 4.6% 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		$342,419 (+2.7%)	$656,230 (-1.03%) Land $190,000 Building $466,230
2025	$5,429.00 (+4.63%) Homeowner's exemption	$333,417	$663,040 Land $190,000 Building $473,040
2024	$5,189.00 (+7.52%)
2023	$4,826.00 (+4.1%) Homeowner's exemption	$314,583 (+3%)	$609,582 (+23.99%) Land $190,000 Building $419,582
2022	$4,636.00 Homeowner's exemption	$305,420	$491,650 Land $165,000 Building $326,650

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

Flood

FEMA maps place 3112 Shadow Pond Ter 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 A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 54 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	54 in force
Nearby Flood Claims	2 (2022)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 2 claims

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 3112 Shadow Pond Ter is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood	0.04% 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	WINTER GARDEN WATER DEPT (3 WPS) serves 72,205 people · EPA ID FL3481481
Water Source	Groundwater
Last State Inspection	Feb 2024
Also Mapped Here	OCUD/SOUTHERN WATER SYS (5 WPS)
Lead	3 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	2 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 161 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
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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