421 Regal Downs Cir, Winter Garden, FL 34787 Property Records

Orange County property record for 421 Regal Downs Cir, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,868 sqft · built 2001
Lot Size	0.126 acres (5,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$239,900 (Jan 2018)
Tax Bill	$3,222 (2025)
Deeds & Mortgages	Apr 2024 Second Mortgage Feb 2024 Mortgage + 8 more
Flood Zone	Zone X (minimal risk)
APN	`23-22-27-6800-00-950`

Property Details

APN / Parcel Number

Primary APN	`23-22-27-6800-00-950`
Alternative APNs	`272223680000950` `119616` `120400` `121782`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,868 sqft Living Area
Gross Area	2,284 sqft
1st Floor Area	1,868 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,500 sqft (0.126 acres)
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	1 Parking Space
Porch	Finished/Open Porch
Porch Area	36 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	421 REGAL DOWNS CIR
City	WINTER GARDEN
State	FL
Zip	34787-4039
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	REGAL POINTE PHASE 1 43/129 LOT 95
Legal Range	27E
Legal Township	22S
Legal Section	23
Legal Subdivision	REGAL POINTE PH 1
Legal Phase	1
Legal Tract	6800
Legal Lot Number	95
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	3
Census Block	3053
Census Tract	17402

Owner

Source: Orange County records, as of April 30, 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 REGAL DOWNS CIR, WINTER GARDEN, FL 34787-4039
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ADDITION FINANCIAL CU
Feb 5, 2024	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Feb 14, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Dec 2, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FREEDOM MORTGAGE CORP
Sep 25, 2020	Deed of Trust, Mortgage · FHA Mortgage JFQ LNDG INC
Jan 27, 2020	Deed of Trust, Mortgage · FHA Mortgage JFQ LNDG INC
May 25, 2019	Deed of Trust, Mortgage · FHA Mortgage JFQ LNDG INC
Sep 6, 2018	Deed of Trust, Mortgage · FHA Mortgage HOMEBRIDGE FIN'L SVCS INC
Jan 9, 2018	Special Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Apr 10, 2017	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 9, 2018 · Amount on Record
Deed Sale	Jan 9, 2018 · Amount on Record
Prior Sale	Apr 10, 2017 · Amount on Record
Deed Document Number	201818471
Prior Transfer Date	Apr 7, 2017
Prior Transfer Doc	0000192857
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	421 REGAL DOWNS CIR, WINTER GARDEN, FL 34787-4039
Transaction Type	Mortgage
Record Updated	Apr 25, 2024
Title Company	PRIMERA TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 REGAL DOWNS CIR, WINTER GARDEN, FL 34787-4039

Mortgage

Document Number	0000203703
Date	Apr 9, 2024
Instrument	20240203703

Lender

Name	ADDITION FINANCIAL CU
Type	Credit Union
Address	LAKE MARY, FL 32746

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 5, 2039

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	421 REGAL DOWNS CIR, WINTER GARDEN, FL 34787-4039
Transaction Type	Mortgage
Record Updated	Feb 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 REGAL DOWNS CIR, WINTER GARDEN, FL 34787-4039

Mortgage

Document Number	0000067005
Date	Feb 5, 2024
Instrument	20240067005

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	320 Months
Due	Oct 1, 2050

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	421 REGAL DOWNS CIR, WINTER GARDEN, FL 34787-4039
Transaction Type	Mortgage
Record Updated	Feb 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 REGAL DOWNS CIR, WINTER GARDEN, FL 34787-4039

Mortgage

Document Number	0000084159
Date	Feb 14, 2023
Instrument	20230084159

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	DENVER, CO 80249

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	332 Months
Due	Oct 1, 2050

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	421 REGAL DOWNS CIR, WINTER GARDEN, FL 34787-4039
Transaction Type	Mortgage
Record Updated	Dec 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 REGAL DOWNS CIR, WINTER GARDEN, FL 34787-4039

Mortgage

Document Number	0000734190
Date	Dec 2, 2021
Instrument	20210734190

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	346 Months
Due	Oct 1, 2050

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	421 REGAL DOWNS CIR, WINTER GARDEN, FL 34787-4039
Document Number	0000510351
Instrument Date	Sep 25, 2020
Transaction Type	Mortgage
Record Updated	Oct 9, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	421 REGAL DOWNS CIR WINTER GARDEN FL 347874039, WINTER GARDEN, FL 34787-4039

Mortgage

Document Number	0000510351
Date	Sep 30, 2020
Instrument	510351

Lender

Name	JFQ LNDG INC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85254

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 29, 2050

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	421 REGAL DOWNS CIR, WINTER GARDEN, FL 34787-4039
Document Number	0000068334
Instrument Date	Jan 27, 2020
Transaction Type	Mortgage
Record Updated	Feb 24, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 REGAL DOWNS CIR WINTER GARDEN FL 347874039, WINTER GARDEN, FL 34787-4039

Mortgage

Document Number	0000068334
Date	Jan 31, 2020
Instrument	68334

Lender

Name	JFQ LNDG INC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85254

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 30, 2050

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	421 REGAL DOWNS CIR, WINTER GARDEN, FL 34787-4039
Document Number	0000339982
Instrument Date	May 25, 2019
Transaction Type	Mortgage
Record Updated	Jun 19, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 REGAL DOWNS CIR WINTER GARDEN FL 347874039, WINTER GARDEN, FL 34787-4039

Mortgage

Document Number	0000339982
Date	Jun 3, 2019
Instrument	339982

Lender

Name	JFQ LNDG INC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85254

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Jun 2, 2047

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	421 REGAL DOWNS CIR, WINTER GARDEN, FL 34787-4039
Document Number	0000541896
Instrument Date	Sep 6, 2018
Transaction Type	Mortgage
Record Updated	Sep 26, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 REGAL DOWNS CIR WINTER GARDEN FL 347874039, WINTER GARDEN, FL 34787-4039

Mortgage

Document Number	0000541896
Date	Sep 13, 2018
Instrument	541896

Lender

Name	HOMEBRIDGE FIN'L SVCS INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 12, 2048

January 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jan 9, 2018
Property Address	421 REGAL DOWNS CIR, WINTER GARDEN, FL 34787-4039
Document Number	0000018471
Map Reference	MB 43 PG 129&130
Instrument Date	Jan 4, 2018
Instrument	20180018471
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	SELECTITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,679.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9990 RICHMOND AVE STE 400, 9990, HOUSTON, TX 77042-4546

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 REGAL DOWNS CIR, WINTER GARDEN, FL 34787-4039

Mortgage

Document Number	0000018472
Date	Jan 9, 2018
Instrument	20180018472

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

April 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	ORANGE FL
Recording Date	Apr 10, 2017
Property Address	421 REGAL DOWNS CIR, WINTER GARDEN, FL 34787-4039
Document Number	0000192857
Instrument Date	Mar 27, 2017
Instrument	192857
Transaction Type	Foreclosure
Record Updated	May 1, 2017

Transaction

Amount	Amount Recorded
Tax	$1,017.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	421 REGAL DOWNS CIR WINTER GARDEN FL 347874039, WINTER GARDEN, FL 34787-4039
Investor	Possibly a Property Investor

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		$244,771 (+2.7%)	$359,250 (-1.19%) Land $100,000 Building $259,250
2025	$3,222.00 (+5.36%) Homeowner's exemption	$238,336 (+5.99%)	$363,590 (+9.33%) Land $100,000 Building $263,590
2024	$3,058.00 (+3.94%)
2023	$2,942.00 (+3.26%) Homeowner's exemption	$224,873 (+3%)	$332,550 (+18.47%) Land $100,000 Building $232,550
2022	$2,849.00 Homeowner's exemption	$218,323	$280,707 Land $85,000 Building $195,707

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

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
Nearby Flood Policies	5 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.7% 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.

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 299 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: CenturyLink, Verizon.

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