Orange County property record for 408 Sterling Lake Dr, Ocoee, FL 34761
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,779 sqft · built 1992 |
| Lot Size | 0.181 acres (7,899 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $182,500 (Sep 2014) |
| Tax Bill | $3,299 (2025) |
| Deeds & Mortgages | Oct 2025 Line of Credit Apr 2018 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-22-28-8039-00-600 |
| Primary APN | 16-22-28-8039-00-600 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,779 sqft Living Area |
| Gross Area | 2,306 sqft |
| 1st Floor Area | 1,779 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,899 sqft (0.181 acres) |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 65 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 408 STERLING LAKE DR |
|---|---|
| City | OCOEE |
| State | FL |
| Zip | 34761-4016 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD-LD |
| Legal Description | SILVER GLEN PHASE 1 VILLAGE 2 25/127 LOT 60 |
| Legal Range | 28E |
| Legal Township | 22S |
| Legal Section | 16 |
| Legal Subdivision | SILVER GLEN PH 1 VILLAGE 2 |
| Legal Phase | 1 |
| Legal Tract | 8039 |
| Legal Lot Number | 60 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | WINTER GARDEN-OCOEE |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 15003 |
408 Sterling Lake Dr is owned and occupied by two individuals who bought it in September 2014.
Source: Orange County records, as of May 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 408 STERLING LAKE DR, OCOEE, FL 34761-4016 |
| 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.
| Date | Document |
|---|---|
| Oct 13, 2025 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Apr 30, 2018 | Loan Modification, Mortgage · Conventional Mortgage JP MORGAN CHASE BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 29, 2014 · Amount on File |
| Deed Sale | Sep 29, 2014 · Amount on File |
| Deed Document Number | 2014494192 |
| Deed Book / Page | 10811 / 6411 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 408 STERLING LAKE DR, OCOEE, FL 34761-4016 |
| Transaction Type | Mortgage |
| Record Updated | Nov 4, 2025 |
| Name | Verified Name |
|---|---|
| Address | 408 STERLING LAKE DR, OCOEE, FL 34761-4016 |
| Document Number | 0000592053 |
|---|---|
| Date | Oct 13, 2025 |
| Instrument | 20250592053 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28232 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 28, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 408 STERLING LAKE DR, OCOEE, FL 34761-4016 |
| Document Number | 0000292273 |
| Instrument Date | Apr 30, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 14, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 408 STERLING LAKE DR OCOEE FL 347614016, OCOEE, FL 34761-4016 |
| Document Number | 0000292273 |
|---|---|
| Date | May 17, 2018 |
| Instrument | 292273 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 16, 2048 |
| Rate | 4.62% |
|---|
The 2025 property tax bill for 408 Sterling Lake Dr was $3,299, up 8.8% from the year before.
Source: Orange County assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Municipality | Ocoee City |
| Unified School District | Orange County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $203,333 (+2.7%) | $315,830 (-1.42%) Land $90,000 Building $225,830 | |
| 2025 | $3,299.00 (+8.81%) Homeowner's exemption | $197,987 (+2.9%) | $320,380 (+3.31%) Land $90,000 Building $230,380 |
| 2024 | $3,032.00 (+3.52%) Homeowner's exemption | $192,407 (+3%) | $310,107 (+5.07%) Land $90,000 Building $220,107 |
| 2023 | $2,929.00 (+3.5%) Homeowner's exemption | $186,803 (+3%) | $295,132 (+18.02%) Land $90,000 Building $205,132 |
| 2022 | $2,830.00 Homeowner's exemption | $181,362 | $250,063 Land $75,000 Building $175,063 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 408 Sterling Lake Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.
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 |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 1 (2018) |
| Most Recent Claim | Sep 2018 · river or lake flooding |
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.
The area around 408 Sterling Lake Dr has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | OCOEE, CITY OF (2 WPS) serves 34,000 people · EPA ID FL3480204 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2025 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 375 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T, CenturyLink, Verizon.
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