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

Orange County property record for 408 Macchi Ave, Oakland, FL 34787

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,412 sqft · built 2006
Lot Size	0.292 acres (12,724 sqft)
Owner	2 Individual Names on File
Last Sale	$369,000 (Aug 2020)
Tax Bill	$6,472 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-22-27-9402-00-330`

Property Details

APN / Parcel Number

Primary APN	`21-22-27-9402-00-330`
Alternative APNs	`272221940200330` `117633` `118402` `119784`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,412 sqft Living Area
Gross Area	3,117 sqft
1st Floor Area	2,412 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,724 sqft (0.292 acres)
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	245 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	408 MACCHI AVE
City	OAKLAND
State	FL
Zip	34787-3058
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	WINTERS LANDING PHASE 2 60/19 LOT 33
Legal Range	27E
Legal Township	22S
Legal Section	21
Legal Subdivision	WINTERS LANDING PH 2
Legal Phase	2
Legal Tract	9402
Legal Lot Number	33
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	1
Census Block	1023
Census Tract	17200

Owner

408 Macchi Ave is owned and occupied by two individuals who bought it in August 2020.

Source: Orange County records, as of May 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	408 MACCHI AVE, OAKLAND, FL 34787-3058
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

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
Dec 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRUSTCO BANK
Aug 10, 2020	Warranty Deed, Transfer · Conventional with PMI TRUSTCO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2020 · Amount on File
Deed Sale	Aug 10, 2020 · Amount on File
Prior Sale	May 15, 2006 · Amount on File
Deed Document Number	2020421934
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	408 MACCHI AVE, OAKLAND, FL 34787-3058
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 MACCHI AVE, OAKLAND, FL 34787-3058

Mortgage

Document Number	0000744349
Date	Dec 7, 2021
Instrument	20210744349

Lender

Name	TRUSTCO BANK
Type	Bank
Address	LONGWOOD, FL 32750

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	315 Months
Due	Mar 3, 2048

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Aug 10, 2020
Property Address	408 MACCHI AVE, OAKLAND, FL 34787-3058
Document Number	0000421934
Instrument Date	Jul 6, 2020
Instrument	421934
Transaction Type	Transfer
Record Updated	Aug 27, 2020
Title Company	TITLE FORWARD

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,583.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	408 MACCHI AVE OAKLAND FL 347873058, OAKLAND, FL 34787-3058

Mortgage

Document Number	421935
Date	Aug 10, 2020
Instrument	421935

Lender

Name	TRUSTCO BK
Type	Bank
Address	LONGWOOD, FL 32750

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 9, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 408 Macchi Ave was $6,472, up 3% from the year before.

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		$409,197 (+2.7%)	$543,708 (-1.24%) Land $152,688 Building $391,020
2025	$6,472.00 (+3.02%) Homeowner's exemption	$398,439	$550,538 Land $152,688 Building $397,850
2024	$6,282.00 (+5.9%)
2023	$5,932.00 (+3.02%) Homeowner's exemption	$375,932 (+3%)	$507,287 (+17.81%) Land $152,688 Building $354,599
2022	$5,758.00 Homeowner's exemption	$364,983	$430,600 Land $127,240 Building $303,360

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

Flood

FEMA maps place 408 Macchi 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
Flood Insurance Cost	Premium on File 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

Wildfire risk around 408 Macchi Ave is moderate, ranking above 40% of the US, with a 0.07% annual chance of 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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