3118 Shadow Pond Ter, Winter Garden, FL 34787 Property Records

Orange County property record for 3118 Shadow Pond Ter, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,693 sqft · built 1998
Lot Size	0.574 acres (24,984 sqft)
Owner	2 Trust Names on File
Last Sale	$308,000 (Mar 2003)
Tax Bill	$6,346 (2025)
Deeds & Mortgages	Jul 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-23-27-8455-00-830`

Property Details

APN / Parcel Number

Primary APN	`02-23-27-8455-00-830`
Alternative APNs	`272302845500830` `131516` `132301` `133815`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,693 sqft Living Area
Gross Area	3,734 sqft
1st Floor Area	2,693 sqft
Flooring	Carpet
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	24,984 sqft (0.574 acres)
Garage Type	Attached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	273 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3118 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 83
Legal Range	27E
Legal Township	23S
Legal Section	02
Legal Subdivision	SUNSET LAKES
Legal Tract	8455
Legal Lot Number	83
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1029
Census Tract	17120

Owner

3118 Shadow Pond Ter is owner-occupied and held in a trust since March 2003.

Source: Orange County records, as of May 4, 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 Trust Names on File
Mailing Address	3118 SHADOW POND TER, WINTER GARDEN, FL 34787-5431
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 6, 2003 · Amount on File
Deed Sale	Mar 6, 2003 · Amount on File
Prior Sale	Apr 10, 1997 · Amount on File
Deed Document Number	2003131428
Deed Book / Page	6815 / 2275
Record Updated	Jun 8, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	3118 SHADOW POND TER, WINTER GARDEN, FL 34787-5431
Document Number	0000397198
Instrument Date	Jul 10, 2017
Transaction Type	Mortgage
Record Updated	Jul 26, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3118 SHADOW POND TER WINTER GARDEN FL 347875431, WINTER GARDEN, FL 34787-5431

Mortgage

Document Number	0000397198
Date	Jul 17, 2017
Instrument	397198

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240-2050

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 16, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 3118 Shadow Pond Ter was $6,346, 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		$400,951 (+2.7%)	$749,740 (-1.36%) Land $190,000 Building $559,740
2025	$6,346.00 (+4.36%) Homeowner's exemption	$390,410	$760,090 Land $190,000 Building $570,090
2024	$6,081.00 (+7.48%)
2023	$5,658.00 (+3.89%) Homeowner's exemption	$368,356 (+3%)	$695,068 (+24.88%) Land $190,000 Building $505,068
2022	$5,446.00 Homeowner's exemption	$357,627	$556,603 Land $165,000 Building $391,603

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

Flood

FEMA maps place 3118 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 3118 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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