405 Courtlea Park Dr, Winter Garden, FL 34787 Property Records

Orange County property record for 405 Courtlea Park Dr, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,625 sqft · built 2007
Lot Size	0.246 acres (10,699 sqft)
Owner	Individual Name on Record
Last Sale	$775,000 (Oct 2025)
Tax Bill	$9,432 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Oct 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-22-27-1951-00-240`

Property Details

APN / Parcel Number

Primary APN	`14-22-27-1951-00-240`
Alternative APNs	`272214195100240` `113369` `114020` `115306`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,625 sqft Living Area
Gross Area	3,590 sqft
1st Floor Area	2,280 sqft
Utility Area	24 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,699 sqft (0.246 acres)
Garage Type	Attached
Garage Area	724 sqft
Parking Spaces	3 Parking Spaces
Porch	Florida Room
Porch Area	156 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	405 COURTLEA PARK DR
City	WINTER GARDEN
State	FL
Zip	34787-4525
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	COURTLEA PARK 65/75 LOT 24
Legal Range	27E
Legal Township	22S
Legal Section	14
Legal Subdivision	COURTLEA PARK
Legal Tract	1951
Legal Lot Number	24
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	1
Census Block	1010
Census Tract	17401

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	Individual Name on Record
Mailing Address	410 BALBOA BLVD, CLERMONT, FL 34715-8186
Owner Type	Individual
Vesting	Married Woman, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Oct 6, 2025	Warranty Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL INC
Jan 18, 2024	Warranty Deed, Transfer · Conventional Mortgage BAY EQUITY LLC
Sep 23, 2020	Deed of Trust, Mortgage UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 6, 2025 · Amount on Record
Deed Sale	Oct 6, 2025 · Amount on Record
Prior Sale	Jan 18, 2024 · Amount on Record
Deed Document Number	2025577200
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	405 COURTLEA PARK DR, WINTER GARDEN, FL 34787-4525
Transaction Type	Mortgage
Record Updated	Nov 4, 2025
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 COURTLEA PARK DR, WINTER GARDEN, FL 34787-4525

Mortgage

Document Number	0000031687
Date	Jan 19, 2023
Instrument	20230031687

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 9, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Oct 6, 2025
Property Address	405 COURTLEA PARK DR, WINTER GARDEN, FL 34787-4525
Document Number	0000577200
Map Reference	MB 65 PG 75-77
Instrument Date	Sep 30, 2025
Instrument	20250577200
Transaction Type	Transfer
Record Updated	Nov 4, 2025
Title Company	UNKNOWN, EXCELLENCE TTL PARTNERS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,425.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6275 MUIRLOCH CT N, DUBLIN, OH 43017-8793

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 BALBOA BLVD, CLERMONT, FL 34715-8186

Mortgage

Document Number	0000577201
Date	Oct 6, 2025
Instrument	20250577201

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jan 18, 2024
Property Address	405 COURTLEA PARK DR, WINTER GARDEN, FL 34787-4525
Document Number	0000034368
Map Reference	MB 65 PG 75-77
Instrument Date	Jan 12, 2024
Instrument	20240034368
Transaction Type	Transfer
Record Updated	Feb 1, 2024
Title Company	NOT AVAILABLE, EXCELLENCE TTL PARTNERS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,460.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13106 SUNKISS LOOP, WINDERMERE, FL 34786-3158

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	405 COURTLEA PARK DR, WINTER GARDEN, FL 34787-4525

Mortgage

Document Number	0000034369
Date	Jan 18, 2024
Instrument	20240034369

Lender

Name	BAY EQUITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	405 COURTLEA PARK DR, WINTER GARDEN, FL 34787-4525
Document Number	0000514179
Instrument Date	Sep 23, 2020
Transaction Type	Mortgage
Record Updated	Oct 22, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	405 COURTLEA PARK DR WINTER GARDEN FL 347874525, WINTER GARDEN, FL 34787-4525

Mortgage

Document Number	0000514179
Date	Oct 2, 2020
Instrument	514179

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

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		$612,870 (-1.06%) Land $200,000 Building $412,870	$612,870 (-1.06%) Land $200,000 Building $412,870
2025	$9,432.00 (+179.22%) Homeowner's exemption	$619,450 (+146.17%) Land $200,000 Building $419,450	$619,450 (+16.99%) Land $200,000 Building $419,450
2024	$3,378.00 (+3.91%) Homeowner's exemption	$251,633 (+3%)	$529,508 (+5.99%) Land $130,000 Building $399,508
2023	$3,251.00 (+3.21%) Homeowner's exemption	$244,304 (+3%)	$499,572 (+13.36%) Land $130,000 Building $369,572
2022	$3,150.00 Homeowner's exemption	$237,188	$440,692 Land $130,000 Building $310,692

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Nearby Flood Policies	15 in force
Nearby Flood Claims	2 (2024)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 2024 · Hurricane Milton

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 285 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	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.

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