324 Pine St, Winter Garden, FL 34787 Property Records

Orange County property record for 324 Pine St, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,472 sqft · built 1950
Lot Size	0.232 acres (10,101 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Dec 2017)
Tax Bill	$2,197 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Mar 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-22-27-4876-00-281`

Property Details

APN / Parcel Number

Primary APN	`14-22-27-4876-00-281`
Alternative APNs	`272214487600281` `113621` `114270` `115556`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,472 sqft Living Area
Gross Area	2,418 sqft
1st Floor Area	1,157 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1965
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,101 sqft (0.232 acres)
Garage Type	Carport
Garage Area	220 sqft
Carport	Carport
Carport Area	220 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	495 sqft
Utility Building	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	324 PINE ST
City	WINTER GARDEN
State	FL
Zip	34787-2746
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LAKE VIEW ADDITION F/74 W 16.40 FT LOT 28 ALL LOT 29 & E 16. 40 FT LOT 30
Legal Range	27E
Legal Township	22S
Legal Section	14
Legal Subdivision	LAKE VIEW ADD TO WINTER GARDEN
Legal Tract	4876
Legal Lot Number	16
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	1
Census Block	1033
Census Tract	17302

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Winter Garden Historic Residential District listed 1996 · 76 contributing resources · NRIS 96000849

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	Individual Name on Record
Mailing Address	324 PINE ST, WINTER GARDEN, FL 34787-2746
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME1ST LENDING LLC
Mar 14, 2019	Deed of Trust, Mortgage · Line of Credit CENTRAL FLORIDA EDUCATORS FCU
Dec 29, 2017	Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 29, 2017 · Amount on Record
Deed Sale	Dec 29, 2017 · Amount on Record
Prior Sale	Apr 26, 2005 · Amount on Record
Deed Document Number	2017704870
Prior Transfer Date	Dec 27, 2017
Prior Transfer Doc	0000704870
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	324 PINE ST, WINTER GARDEN, FL 34787-2746
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	LEGACY TITLE GROUP, LEGACY TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 PINE ST, WINTER GARDEN, FL 34787-2746

Mortgage

Document Number	0000503184
Date	Aug 18, 2021
Instrument	20210503184

Lender

Name	HOME1ST LENDING LLC
Type	Mortgage Company
Address	LAKE MARY, FL 32746

Agreement

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

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	324 PINE ST, WINTER GARDEN, FL 34787-2746
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000153890
Date	Mar 14, 2019
Instrument	20190153890

Lender

Name	CENTRAL FLORIDA EDUCATORS FCU
Type	Credit Union
Address	LAKE MARY, FL 32746

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	420 Months
Due	Mar 13, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Dec 29, 2017
Property Address	324 PINE ST, WINTER GARDEN, FL 34787-2746
Document Number	0000704870
Map Reference	MB F PG 74
Instrument Date	Dec 27, 2017
Instrument	20170704870
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	FIRST AMERICAN TITLE INSURAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	324 PINE ST, 324, WINTER GARDEN, FL 34787-2746

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 PINE ST, WINTER GARDEN, FL 34787-2746

Mortgage

Document Number	0000704871
Date	Dec 29, 2017
Instrument	20170704871

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

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		$180,113 (+2.7%)	$387,940 (-) Land $303,030 Building $84,910
2025	$2,197.00 (+5.52%) Homeowner's exemption	$175,378 (+5.99%)	$387,940 (+2.7%) Land $303,030 Building $84,910
2024	$2,082.00 (+4.26%)
2023	$1,997.00 (+3.58%) Homeowner's exemption	$165,471 (+3%)	$377,752 (+88.69%) Land $303,030 Building $74,722
2022	$1,928.00 Homeowner's exemption	$160,651	$200,195 Land $131,313 Building $68,882

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
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2024 · rainfall accumulation

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 67% of the US · lower than 92% 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 378 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T, CenturyLink, Metronet, Verizon, Xfinity.

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