318 E Bay St, Winter Garden, FL 34787 Property Records

Orange County property record for 318 E Bay St, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,205 sqft · built 1921
Lot Size	0.289 acres (12,594 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Jul 2021)
Tax Bill	$4,763 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Apr 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23-22-27-8816-04-091`

Property Details

APN / Parcel Number

Primary APN	`23-22-27-8816-04-091`
Alternative APNs	`272223881604091` `120268` `121049` `122426`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,205 sqft Living Area
Gross Area	1,259 sqft
1st Floor Area	1,079 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1921
Effective Year Built	Effective 1995
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	12,594 sqft (0.289 acres)
Lot Dimensions	200 ft deep x 62 ft wide
Porch	Slab
Porch Area	180 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	318 E BAY ST
City	WINTER GARDEN
State	FL
Zip	34787-3112
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	I-2
Legal Description	TWIN CITY DEVELOPMENT CO SUB E/26 E1/2 OF LOTS 9 10 11 & 1 2 BLK 4
Legal Range	27E
Legal Township	22S
Legal Section	23
Legal Subdivision	TWIN CITY DEV CO SUB
Legal Tract	8816
Legal Block	4
Legal Lot Number	9
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	3
Census Block	3006
Census Tract	17402

Owner

Source: Orange County records, as of May 4, 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	318 E BAY ST, WINTER GARDEN, FL 34787-3112
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2021	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Apr 13, 2021	Warranty Deed, Transfer · Balloon Mortgage CONNECT FUNDING LLC
Apr 13, 2021	Warranty Deed, Transfer · Balloon Mortgage CONNECT FUNDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 20, 2021 · Amount on Record
Deed Sale	Jul 20, 2021 · Amount on Record
Prior Sale	Apr 13, 2021 · Amount on Record
Deed Document Number	2021434532
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jul 20, 2021
Property Address	318 E BAY ST, WINTER GARDEN, FL 34787-3112
Document Number	0000434532
Map Reference	MB E PG 26
Instrument Date	Jul 15, 2021
Instrument	20210434532
Transaction Type	Transfer
Record Updated	Feb 10, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3033 MORTON WAY, KISSIMMEE, FL 34743-6084

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	318 E BAY ST, WINTER GARDEN, FL 34787-3112

Mortgage

Document Number	0000434533
Date	Jul 20, 2021
Instrument	20210434533

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Apr 13, 2021
Property Address	318 E BAY ST, WINTER GARDEN, FL 34787-3112
Document Number	20210215515
Map Reference	MB E PG 26
Instrument Date	Apr 8, 2021
Instrument	20210215515
Transaction Type	Transfer
Record Updated	May 4, 2021
Title Company	FIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	128 LAKEVIEW RESERVE BLVD, 128, WINTER GARDEN, FL 34787-2517

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9161 NARCOOSSEE RD STE 107, 107, ORLANDO, FL 32827-5764

Mortgage

Document Number	20210215516
Date	Apr 13, 2021
Instrument	20210215516

Lender

Name	CONNECT FUNDING LLC
Type	Non-Lending Institution

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Apr 30, 2022

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Apr 13, 2021
Property Address	318 E BAY ST, WINTER GARDEN, FL 34787-3112
Document Number	0000215515
Map Reference	MB E PG 26
Instrument Date	Apr 8, 2021
Instrument	20210215515
Transaction Type	Transfer
Record Updated	Feb 10, 2023
Title Company	FIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	128 LAKEVIEW RESERVE BLVD, WINTER GARDEN, FL 34787-2517

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9161 NARCOOSSEE RD STE 107, 107, ORLANDO, FL 32827-5764

Mortgage

Document Number	0000215516
Date	Apr 13, 2021
Instrument	20210215516

Lender

Name	CONNECT FUNDING LLC
Type	Non-Lending Institution

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Apr 30, 2022

Tax Assessment & Valuation

Source: Orange County assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Orange County
Municipality	Winter Garden City
Unified School District	Orange County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$341,853 (+2.7%)	$356,550 (-0.83%) Land $188,910 Building $167,640
2025	$4,763.00 (+5.28%) Homeowner's exemption	$332,866 (+5.99%)	$359,520 (+14.47%) Land $188,910 Building $170,610
2024	$4,524.00 (+3.74%)
2023	$4,361.00 (-5.85%) Homeowner's exemption	$314,063 (+8.27%) Land $163,722 Building $150,341	$314,063 (+8.27%) Land $163,722 Building $150,341
2022	$4,632.00 Homeowner's exemption	$290,087 Land $163,722 Building $126,365	$290,087 Land $163,722 Building $126,365

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 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	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	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 GARDEN WATER DEPT (3 WPS) serves 72,205 people · EPA ID FL3481481
Water Source	Groundwater
Last State Inspection	Feb 2024
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 385 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Hotwire Communications, Verizon.

Nearby Properties on E Bay St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures