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

Orange County property record for 415 S Boyd St, Winter Garden, FL 34787

Property Summary

Property Type	Duplex
Details	6 bd · 4 ba · 2,878 sqft · built 1984
Lot Size	0.306 acres (13,311 sqft)
Owner	2 Individual Names on File
Last Sale	$181,900 (Dec 2013)
Tax Bill	$8,213 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Apr 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-22-27-2888-11-077`

Property Details

APN / Parcel Number

Primary APN	`23-22-27-2888-11-077`
Alternative APNs	`272223288811077` `119257` `120040` `121422`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Units	2 Units
Stories	1 Story
Building Area	2,878 sqft Living Area
Gross Area	4,506 sqft
1st Floor Area	2,744 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Duplex Single
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,311 sqft (0.306 acres)
Garage Type	Detached
Garage Area	441 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	670 sqft
Patio Area	2 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	415 S BOYD ST
City	WINTER GARDEN
State	FL
Zip	34787-3506
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R-2
Legal Description	FRIES PLAT OF WINTER GARDEN E/16 W 143 FT OF S 93 FT OF N 17 5 FT OF LOT 7 BLK K
Legal Range	27E
Legal Township	22S
Legal Section	23
Legal Subdivision	FRIES SURVEY OF WINTER GARDEN
Legal Tract	2888
Legal Block	K
Legal Lot Number	7
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	1
Census Block	1059
Census Tract	17302

Owner

415 S Boyd St, a duplex, is owned by two individuals who acquired it in April 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	884 S DILLARD ST, WINTER GARDEN, FL 34787-3910
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage SOUTH ST BK
Apr 8, 2019	Quit Claim Deed, Transfer · ARM SEACOAST NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 17, 2013 · Amount on File
Deed Sale	Dec 17, 2013 · Amount on File
Deed Document Number	2013658300
Deed Book / Page	10678 / 1609
Last Transfer Date	Apr 8, 2019
Transfer Doc	0000213525
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	415 S BOYD ST, WINTER GARDEN, FL 34787-3506
Document Number	0000670414
Instrument Date	Dec 21, 2020
Transaction Type	Mortgage
Record Updated	Jan 8, 2021
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	244 N LAKEVIEW AVE WINTER GARDEN FL 347872763, WINTER GARDEN, FL 34787-2763

Mortgage

Document Number	0000670414
Date	Dec 22, 2020
Instrument	670414

Lender

Name	SOUTH ST BK
Type	Bank
Address	CHARLESTON, SC 29406

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 21, 2050

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE FL
Recording Date	Apr 8, 2019
Property Address	415 S BOYD ST, WINTER GARDEN, FL 34787-3506
Document Number	0000213525
Map Reference	MB E PG 16
Instrument Date	Apr 8, 2019
Instrument	20190213525
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	884 S DILLARD ST, 884, WINTER GARDEN, FL 34787-3910

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	884 S DILLARD ST, WINTER GARDEN, FL 34787-3910

Mortgage

Document Number	0000213526
Date	Apr 8, 2019
Instrument	20190213526

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	May 1, 2024
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	7.75%
Index	1-Year LIBOR
Max Rate	10.7%

Tax Assessment & Valuation

The 2025 property tax bill for 415 S Boyd St was $8,213, up 11.3% from the year before.

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

Property Jurisdictions

Type	Name
State	Florida
County	Orange County
Municipality	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		$440,956 (+1%)	$650,545 (-1.68%) Land $332,775 Building $317,770
2025	$8,213.00 (+11.27%)	$400,869	$661,665 Land $332,775 Building $328,890
2024	$7,381.00 (+2.54%)
2023	$7,198.00 (+37.03%)	$631,445 (+70.71%) Land $399,330 Building $232,115	$631,445 (+70.71%) Land $399,330 Building $232,115
2022	$5,253.00	$369,888 Land $173,043 Building $196,845	$369,888 Land $173,043 Building $196,845

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

Flood

FEMA maps place 415 S Boyd St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

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 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

Wildfire risk around 415 S Boyd St is low, with a 0.02% annual chance of 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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