3426 Apple Ridge Rd, Ocoee, FL 34761 Property Records

Orange County property record for 3426 Apple Ridge Rd, Ocoee, FL 34761

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,046 sqft · built 2013
Lot Size	0.207 acres (9,005 sqft)
Owner	2 Individual Names on Record
Last Sale	$420,000 (Nov 2025)
Tax Bill	$4,198 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Aug 2025 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`32-21-28-0945-00-450`

Property Details

APN / Parcel Number

Primary APN	`32-21-28-0945-00-450`
Alternative APNs	`282132094500450` `214659` `218934` `223440`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,046 sqft Living Area
Gross Area	2,560 sqft
1st Floor Area	2,046 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,005 sqft (0.207 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	114 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3426 APPLE RIDGE RD
City	OCOEE
State	FL
Zip	34761-4487
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1AA
Legal Description	BRYNMAR PHASE 1 78/38 LOT 45
Legal Range	28E
Legal Township	21S
Legal Section	32
Legal Subdivision	BRYNMAR PH 1
Legal Phase	1
Legal Tract	945
Legal Lot Number	45
Jurisdiction	ORANGE FL
Township / Civil Division	APOPKA
Census Block Group	2
Census Block	2047
Census Tract	17506

Owner

Source: Orange County records, as of April 30, 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	3426 APPLE RIDGE RD, OCOEE, FL 34761-4487
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2022	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Aug 7, 2025	Deed of Trust, Mortgage · Line of Credit BETTER MORTGAGE CORPORATION
Nov 18, 2025	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Oct 3, 2018	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2025 · Amount on Record
Deed Sale	Nov 18, 2025 · Amount on Record
Prior Sale	Oct 3, 2018 · Amount on Record
Deed Document Number	2025665736
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	3426 APPLE RIDGE RD, OCOEE, FL 34761-4487
Transaction Type	Mortgage
Record Updated	Dec 5, 2025
Title Company	THE CLOSING TABLE, THE CLOSING AGENCT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3426 APPLE RIDGE RD, OCOEE, FL 34761-4487

Mortgage

Document Number	0000255175
Date	Apr 20, 2022
Instrument	20220255175

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	3426 APPLE RIDGE RD, OCOEE, FL 34761-4487
Transaction Type	Mortgage
Record Updated	Dec 5, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3426 APPLE RIDGE RD, OCOEE, FL 34761-4487

Mortgage

Document Number	0000459320
Date	Aug 7, 2025
Instrument	20250459320

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Nov 18, 2025
Property Address	3426 APPLE RIDGE RD, OCOEE, FL 34761-4487
Document Number	0000665736
Map Reference	MB 78 PG 38-41
Instrument Date	Nov 10, 2025
Instrument	20250665736
Transaction Type	Transfer
Record Updated	Dec 5, 2025
Title Company	UNKNOWN, VIDCLOSE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,940.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9701 SANDPIPER ST, PENSACOLA, FL 32514-7753

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3426 APPLE RIDGE RD, OCOEE, FL 34761-4487

Mortgage

Document Number	0000665737
Date	Nov 18, 2025
Instrument	20250665737

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Oct 3, 2018
Property Address	3426 APPLE RIDGE RD, OCOEE, FL 34761-4487
Document Number	0000583723
Map Reference	MB 78 PG 38-41
Instrument Date	Sep 28, 2018
Instrument	20180583723
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	FIDELITY NATIONAL TITLE OF F

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,959.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2803 E BRESSINGHAM WAY, 2803, BLOOMINGTON, IN 47401-4170

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3426 APPLE RIDGE RD, OCOEE, FL 34761-4487

Mortgage

Document Number	0000583724
Date	Oct 3, 2018
Instrument	20180583724

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 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	Ocoee City
Unified School District	Orange County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$396,720 (+56.9%) Land $80,000 Building $316,720	$396,720 (-1.19%) Land $80,000 Building $316,720
2025	$4,198.00 (+7.45%) Homeowner's exemption	$252,842 (+5.99%)	$401,480 (+10.38%) Land $80,000 Building $321,480
2024	$3,907.00 (+3.47%)
2023	$3,776.00 (+5.59%) Homeowner's exemption	$238,559 (+5.21%)	$363,738 (+15.83%) Land $80,000 Building $283,738
2022	$3,576.00 Homeowner's exemption	$226,756	$314,024 Land $80,000 Building $234,024

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 15 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	15 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	Moderate above 51% of the US · lower than 78% of Florida
Wildfire Likelihood	0.1% 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	OCUD/SOUTHERN WATER SYS (5 WPS) serves 80,738 people · EPA ID FL3484119
Water Source	Groundwater
Last State Inspection	May 2024
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 201 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Xfinity.

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