405 Macchi Ave, Oakland (Winter Garden), FL 34787 Property Records

Orange County property record for 405 Macchi Ave, Oakland, FL 34787

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,309 sqft · built 2005
Lot Size	0.292 acres (12,734 sqft)
Owner	2 Individual Names on Record
Last Sale	$440,000 (Jul 2017)
Tax Bill	$6,118 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-22-27-9402-00-400`

Property Details

APN / Parcel Number

Primary APN	`21-22-27-9402-00-400`
Alternative APNs	`272221940200400` `117643` `118410` `119792`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,309 sqft Living Area
Gross Area	4,459 sqft
1st Floor Area	2,756 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	12,734 sqft (0.292 acres)
Garage Type	Attached
Garage Area	715 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	338 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	405 MACCHI AVE
City	OAKLAND
State	FL
Zip	34787-3059
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	WINTERS LANDING PHASE 2 60/19 LOT 40
Legal Range	27E
Legal Township	22S
Legal Section	21
Legal Subdivision	WINTERS LANDING PH 2
Legal Phase	2
Legal Tract	9402
Legal Lot Number	40
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	1
Census Block	1019
Census Tract	17200

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	405 MACCHI AVE, OAKLAND, FL 34787-3059
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Jul 3, 2017	Warranty Deed, Transfer · Conventional with PMI CENTURY LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 3, 2017 · Amount on Record
Deed Sale	Jul 3, 2017 · Amount on Record
Prior Sale	Apr 29, 2008 · Amount on Record
Deed Document Number	2017368596
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	405 MACCHI AVE, OAKLAND, FL 34787-3059
Transaction Type	Mortgage
Record Updated	Jul 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 MACCHL AVE, OAKLAND, FL 34787-3059

Mortgage

Document Number	20210392678
Date	Jul 1, 2021
Instrument	20210392678

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	May 1, 2051

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jul 3, 2017
Property Address	405 MACCHI AVE, OAKLAND, FL 34787-3059
Document Number	0000368596
Instrument Date	Jun 29, 2017
Instrument	368596
Transaction Type	Transfer
Record Updated	Jul 14, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,080.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	405 MACCHI AVE OAKLAND FL 347873059, OAKLAND, FL 34787-3059

Mortgage

Document Number	368597
Date	Jul 3, 2017
Instrument	368597

Lender

Name	CENTURY LNDG
Address	LOUISVILLE, KY 40223

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 2, 2047

Tax Assessment & Valuation

Source: Orange County assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Orange County
Municipality	Oakland Town
Unified School District	Orange County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$389,149 (+2.7%)	$643,828 (-1.32%) Land $152,808 Building $491,020
2025	$6,118.00 (+3.03%) Homeowner's exemption	$378,918 (+5.99%)	$652,458 (+9.41%) Land $152,808 Building $499,650
2024	$5,938.00 (+5.92%)
2023	$5,606.00 (+3.05%) Homeowner's exemption	$357,514 (+3%)	$596,344 (+18.27%) Land $152,808 Building $443,536
2022	$5,440.00 Homeowner's exemption	$347,101	$504,209 Land $127,340 Building $376,869

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 40 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	40 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 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.07% 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	TOWN OF OAKLAND serves 6,202 people · EPA ID FL3480913
Water Source	Groundwater
Last State Inspection	Feb 2026
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	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 255 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 / 1,000

May also be available: AT&T, Metronet.

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