Orange County property record for 421 Cobblestone Pointe Dr, Winter Garden, FL 34787
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,159 sqft · built 2007 |
| Lot Size | 0.385 acres (16,761 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $538,700 (Oct 2025) |
| Tax Bill | $2,323 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Dec 2025 Re-recorded Document + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-22-27-1660-00-010 |
| Primary APN | 26-22-27-1660-00-010 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,159 sqft Living Area |
| Gross Area | 2,832 sqft |
| 1st Floor Area | 2,159 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Concrete Block/Stucco |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 16,761 sqft (0.385 acres) |
| Garage Type | Attached |
| Garage Area | 447 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 226 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 421 COBBLESTONE POINTE DR |
|---|---|
| City | WINTER GARDEN |
| State | FL |
| Zip | 34787-6549 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | COBBLESTONE OF WINTER GARDEN 65/70 LOT 1 |
| Legal Range | 27E |
| Legal Township | 22S |
| Legal Section | 26 |
| Legal Subdivision | COBBLESTONE OF WINTER GARDEN |
| Legal Tract | 1660 |
| Legal Lot Number | 1 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 17118 |
Source: Orange County records, as of October 13, 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 | 421 COBBLESTONE POINTE DR, WINTER GARDEN, FL 34787-6549 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jul 28, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FAIRWINDS CREDIT UNION |
| Dec 31, 2025 | Re-recorded Document UNKNOWN, CLEAR TITLE OF FLORIDA LLC |
| Oct 17, 2025 | Warranty Deed, Transfer UNKNOWN, CLEAR TITLE OF FLORIDA LLC |
| Oct 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 17, 2025 · Amount on Record |
| Deed Sale | Oct 17, 2025 · Amount on Record |
| Prior Sale | Nov 9, 2007 · Amount on Record |
| Deed Document Number | 2025605306 |
| Prior Transfer Date | Oct 10, 2025 |
| Prior Transfer Doc | 0000746037 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Jul 28, 2026 |
| Property Address | 421 COBBLESTONE POINTE DR, WINTER GARDEN, FL 34787-6549 |
| Document Number | 0000417233 |
| Instrument Date | Jul 20, 2026 |
| Instrument | 2026417233 |
| Transaction Type | Mortgage |
| Record Updated | Aug 6, 2026 |
| Title Company | MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES |
| Name | Verified Name |
|---|---|
| Address | 421 COBBLESTONE POINTE DR, WINTER GARDEN, FL 34787-6549 |
| Document Number | 0000417233, |
|---|---|
| Date | Jul 28, 2026 |
| Instrument | 2026417233 |
| Name | FAIRWINDS CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 24, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.81% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Re-recorded Document |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Dec 31, 2025 |
| Property Address | 421 COBBLESTONE POINTE DR, WINTER GARDEN, FL 34787-6549 |
| Document Number | 0000746037 |
| Map Reference | MB 65 PG 70-7 |
| Instrument Date | Oct 10, 2025 |
| Instrument | 20250746037 |
| Record Updated | Jan 15, 2026 |
| Title Company | UNKNOWN, CLEAR TITLE OF FLORIDA LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|---|
| Address | 25400 DERBY DR, SORRENTO, FL 32776-8408 |
| Name | Verified Name |
|---|---|
| Address | 421 COBBLESTONE POINTE DR, WINTER GARDEN, FL 34787-6549 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Oct 17, 2025 |
| Property Address | 421 COBBLESTONE POINTE DR, WINTER GARDEN, FL 34787-6549 |
| Document Number | 0000605306 |
| Map Reference | MB 65 PG 70-74 |
| Instrument Date | Oct 10, 2025 |
| Instrument | 20250605306 |
| Transaction Type | Transfer |
| Record Updated | Nov 27, 2025 |
| Title Company | UNKNOWN, CLEAR TITLE OF FLORIDA LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,770.90 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 25400 DERBY DR, SORRENTO, FL 32776-8408 |
| Name | Verified Name |
|---|---|
| Address | 1017 JOHNS POINT DR, OAKLAND, FL 34787-8954 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 421 COBBLESTONE POINTE DR, WINTER GARDEN, FL 34787-6549 |
| Document Number | 0000658355 |
| Instrument Date | Oct 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 31, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 421 COBBLESTONE POINTE DR WINTER GARDEN FL 347876549, WINTER GARDEN, FL 34787-6549 |
| Document Number | 0000658355 |
|---|---|
| Date | Dec 16, 2020 |
| Instrument | 658355 |
| Name | UNITED WHOLESALE MTG |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 15, 2050 |
Source: Orange County assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Municipality | Winter Garden City |
| Unified School District | Orange County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $370,846 (+102.5%) | $438,360 (-1.19%) Land $110,000 Building $328,360 | |
| 2025 | $2,323.00 (+5.45%) Homeowner's exemption | $183,133 (+5.99%) | $443,620 (+9.82%) Land $110,000 Building $333,620 |
| 2024 | $2,203.00 (+4.21%) | ||
| 2023 | $2,114.00 (+3.58%) Homeowner's exemption | $172,788 (+3%) | $403,962 (+18.16%) Land $110,000 Building $293,962 |
| 2022 | $2,041.00 Homeowner's exemption | $167,755 | $341,873 Land $95,000 Building $246,873 |
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.
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 27 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 27 in force |
| Nearby Flood Claims | 1 (2024) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 345 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 |
| CenturyLink DSL · Fiber in parts of the area | 140 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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