3594 Cowden Ct, Ocoee, FL 34761 Property Records

Orange County property record for 3594 Cowden Ct, Ocoee, FL 34761

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,309 sqft · built 2005
Lot Size	0.292 acres (12,723 sqft)
Owner	2 Individual Names on Record
Last Sale	$230,000 (Sep 2009)
Tax Bill	$5,304 (2025)
Deeds & Mortgages	Feb 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`33-21-28-4216-01-080`

Property Details

APN / Parcel Number

Primary APN	`33-21-28-4216-01-080`
Alternative APNs	`282133421601080` `215932` `220204` `224712`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,309 sqft Living Area
Gross Area	4,225 sqft
1st Floor Area	2,966 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,723 sqft (0.292 acres)
Garage Type	Attached
Garage Area	551 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	305 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3594 COWDEN CT
City	OCOEE
State	FL
Zip	34761-5102
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1AA
Legal Description	KENSINGTON MANOR 56/92 LOT 108
Legal Range	28E
Legal Township	21S
Legal Section	33
Legal Subdivision	KENSINGTON MANOR
Legal Tract	4216
Legal Block	1
Legal Lot Number	108
Jurisdiction	ORANGE FL
Township / Civil Division	APOPKA
Census Block Group	2
Census Block	2064
Census Tract	17506

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	3594 COWDEN CT, OCOEE, FL 34761-5102
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2009 · Amount on Record
Deed Sale	Sep 15, 2009 · Amount on Record
Prior Sale	Aug 14, 2006 · Amount on Record
Deed Document Number	2009547481
Deed Book / Page	9934 / 1104
Last Transfer Date	Oct 6, 2015
Transfer Doc	0000528966
Record Updated	Jun 8, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	3594 COWDEN CT, OCOEE, FL 34761-5102
Document Number	0000111691
Instrument Date	Feb 18, 2017
Transaction Type	Mortgage
Record Updated	Aug 18, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3594 COWDEN CT OCOEE FL 347615102, OCOEE, FL 34761-5102

Mortgage

Document Number	0000111691
Date	Mar 2, 2017
Instrument	111691

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2047

Interest

Rate Type	Adjustable Rate

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		$498,470 (+57.78%) Land $80,000 Building $418,470	$498,470 (-1.35%) Land $80,000 Building $418,470
2025	$5,304.00 (+7.17%) Homeowner's exemption	$315,923 (+5.99%)	$505,300 (+11.13%) Land $80,000 Building $425,300
2024	$4,949.00 (+3.38%)
2023	$4,787.00 (+3.15%) Homeowner's exemption	$298,077 (+3%)	$454,680 (+15.19%) Land $80,000 Building $374,680
2022	$4,641.00 Homeowner's exemption	$289,395	$394,714 Land $80,000 Building $314,714

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 53% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 111 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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