401 Florida Ave, Winter Garden, FL 34787 Property Records

Orange County property record for 401 Florida Ave, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,568 sqft · built 1959
Lot Size	0.232 acres (10,125 sqft)
Owner	2 Individual Names on File
Last Sale	$160,000 (Feb 2019)
Tax Bill	$1,805 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-22-27-2306-01-090`

Property Details

APN / Parcel Number

Primary APN	`23-22-27-2306-01-090`
Alternative APNs	`272223230601090` `119010` `119793` `121176`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,568 sqft Living Area
Gross Area	2,722 sqft
1st Floor Area	1,428 sqft
Flooring	Tile
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1975
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,125 sqft (0.232 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Florida Room
Porch Area	132 sqft
Shed	1 Shed
Storage Building	280 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	401 FLORIDA AVE
City	WINTER GARDEN
State	FL
Zip	34787-3634
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	EAST GARDEN MANOR 3RD ADD REP V/145 LOT 9 BLK A
Legal Range	27E
Legal Township	22S
Legal Section	23
Legal Subdivision	EAST GARDEN MANOR 3RD ADD REP
Legal Tract	2306
Legal Block	A
Legal Lot Number	9
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	3
Census Block	3023
Census Tract	17402

Owner

401 Florida Ave is owned and occupied by two individuals who bought it in February 2019.

Source: Orange County records, as of April 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	401 FLORIDA AVE, WINTER GARDEN, FL 34787-3634
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage WATSON MORTGAGE CORP
Feb 20, 2019	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE FIRM

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 20, 2019 · Amount on File
Deed Sale	Feb 20, 2019 · Amount on File
Deed Document Number	2019104384
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	401 FLORIDA AVE, WINTER GARDEN, FL 34787-3634
Transaction Type	Mortgage
Record Updated	Feb 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 FLORIDA AVE, WINTER GARDEN, FL 34787-3634

Mortgage

Document Number	20210079094
Date	Feb 10, 2021
Instrument	20210079094

Lender

Name	WATSON MORTGAGE CORP
Type	Mortgage Company
Address	JACKSONVILLE, FL 32211

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Feb 20, 2019
Property Address	401 FLORIDA AVE, WINTER GARDEN, FL 34787-3634
Document Number	0000104384
Instrument Date	Feb 15, 2019
Instrument	104384
Transaction Type	Transfer
Record Updated	Sep 10, 2019
Title Company	ABC TITLE COMPANY, ABC TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,120.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	94 SAGECREST DR OCOEE FL 347614601, OCOEE, FL 34761-4601

Mortgage

Document Number	104385
Date	Feb 20, 2019
Instrument	104385

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 19, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 401 Florida Ave was $1,805, up 5.6% from the year before.

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		$155,429 (+2.7%)	$229,100 (-0.81%) Land $150,000 Building $79,100
2025	$1,805.00 (+5.56%) Homeowner's exemption	$151,343	$230,975 Land $151,875 Building $79,100
2024	$1,710.00 (+4.52%)
2023	$1,636.00 (+3.81%) Homeowner's exemption	$142,794 (+3%)	$202,205 (+28.89%) Land $131,625 Building $70,580
2022	$1,576.00 Homeowner's exemption	$138,635	$156,886 Land $91,125 Building $65,761

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

Flood

FEMA maps place 401 Florida Ave in Zone X, an area of minimal flood risk.

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

Wildfire risk around 401 Florida Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 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.

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