408 S Boyd St, Winter Garden, FL 34787 Property Records

Orange County property record for 408 S Boyd St, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,069 sqft · built 1939
Lot Size	0.413 acres (18,000 sqft)
Owner	Company Name on Record
Last Sale	$750,000 (Jun 2026)
Tax Bill	$2,572 (2025)
Deeds & Mortgages	Jun 2026 Sale Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23-22-27-8102-00-140`

Property Details

APN / Parcel Number

Primary APN	`23-22-27-8102-00-140`
Alternative APNs	`272223810200140` `120143` `120925` `122301`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,069 sqft Living Area
Gross Area	2,546 sqft
1st Floor Area	2,069 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1979
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	18,000 sqft (0.413 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	393 sqft
Shed	1 Shed
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 S BOYD ST
City	WINTER GARDEN
State	FL
Zip	34787-3507
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	G T SMITH SUB NO 3 L/29 LOTS 14 & 15
Legal Range	27E
Legal Township	22S
Legal Section	23
Legal Subdivision	SMITH G T SUB NO 3
Legal Tract	8102
Legal Lot Number	14,15
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	1
Census Block	1058
Census Tract	17302

Owner

Source: Orange County records, as of June 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	408 S BOYD ST, WINTER GARDEN, FL 34787-3507
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2026	Warranty Deed, Transfer ALEX TITLE, APEX TITLE
Mar 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOMESIDE FINANCIAL LLC
Jan 6, 2020	Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L ASSN/CLEVELAND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 9, 2026 · Amount on Record
Deed Sale	Jun 9, 2026 · Amount on Record
Prior Sale	Oct 5, 2005 · Amount on Record
Deed Document Number	2026321926
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jun 9, 2026
Property Address	408 S BOYD ST, WINTER GARDEN, FL 34787-3507
Document Number	0000321926
Instrument Date	Jun 5, 2026
Instrument	2026321926
Transaction Type	Transfer
Record Updated	Jun 17, 2026
Title Company	ALEX TITLE, APEX TITLE

Transaction

Amount	Amount Recorded
Tax	$530,250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	408 S BOYD ST, WINTER GARDEN, FL 34787-3507

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	408 S BOYD ST, WINTER GARDEN, FL 34787-3507
Transaction Type	Mortgage
Record Updated	Mar 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 S BOYD ST, WINTER GARDEN, FL 34787-3507

Mortgage

Document Number	20210120496
Date	Mar 2, 2021
Instrument	20210120496

Lender

Name	HOMESIDE FINANCIAL LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21046

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	408 S BOYD ST, WINTER GARDEN, FL 34787-3507
Document Number	0000027423
Instrument Date	Jan 6, 2020
Transaction Type	Mortgage
Record Updated	Feb 7, 2020
Title Company	TITLE365 - OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	408 S BOYD ST WINTER GARDEN FL 347873507, WINTER GARDEN, FL 34787-3507

Mortgage

Document Number	0000027423
Date	Jan 15, 2020
Instrument	27423

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jan 14, 2040

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	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		$203,757 (+2.7%)	$698,100 (-0.63%) Land $450,000 Building $248,100
2025	$2,572.00 (+5.45%) Homeowner's exemption	$198,400 (+5.99%)	$702,530 (-8.83%) Land $450,000 Building $252,530
2024	$2,439.00 (+4.1%)
2023	$2,343.00 (+35.83%) Homeowner's exemption	$187,193 (+26.52%)	$770,597 (+95.04%) Land $540,000 Building $230,597
2022	$1,725.00 Homeowner's exemption	$147,958	$395,098 Land $234,000 Building $161,098

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2024 · rainfall accumulation

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	0.02% 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 378 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, CenturyLink, Metronet, Verizon, Xfinity.

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