423 Fern Meadow Loop, #LO, Ocoee, FL 34761 Property Records

Orange County property record for 423 Fern Meadow Loop, #LO, Ocoee, FL 34761

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,071 sqft · built 1997
Lot Size	0.195 acres (8,490 sqft)
Owner	2 Company Names on Record
Last Sale	$535,000 (Jun 2024)
Tax Bill	$6,391 (2025)
Deeds & Mortgages	Jun 2024 Sale & Mortgage Feb 2024 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`32-22-28-1855-02-730`

Property Details

APN / Parcel Number

Primary APN	`32-22-28-1855-02-730`
Alternative APNs	`282232185502730` `260542` `265390` `269935`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,071 sqft Living Area
Gross Area	2,710 sqft
1st Floor Area	2,071 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1998
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,490 sqft (0.195 acres)
Garage Type	Attached
Garage Area	525 sqft
Parking Spaces	2 Parking Spaces
Pool Area	220 sqft
Porch	Finished/Open Porch
Porch Area	114 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	423 FERN MEADOW LOOP, LO
City	OCOEE
State	FL
Zip	34761-4790
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD-LD
Legal Description	CROSS CREEK PHASE 2 37/16 LOT 273
Legal Range	28E
Legal Township	22S
Legal Section	32
Legal Subdivision	CROSS CREEK PH 2
Legal Phase	2
Legal Tract	1855
Legal Block	2
Legal Lot Number	273
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2025
Census Tract	14814

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 Company Names on Record
Mailing Address	423 FERN MEADOW LOOP, OCOEE, FL 34761-4790
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2024	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Feb 29, 2024	Intrafamily Transfer, Transfer
Jan 20, 2022	Warranty Deed, Transfer · Conventional Mortgage CHRISTENSEN FINANCIAL INC
Jun 25, 2020	Deed of Trust, Mortgage · Conventional with PMI HOMEBRIDGE FIN'L SVCS INC
Sep 29, 2017	Warranty Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2024 · Amount on Record
Deed Sale	Jun 3, 2024 · Amount on Record
Prior Sale	Jan 20, 2022 · Amount on Record
Deed Document Number	2024317518
Prior Transfer Date	Feb 6, 2024
Prior Transfer Doc	0000118068
Record Updated	Oct 29, 2026

June 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jun 3, 2024
Property Address	423 FERN MEADOW LOOP, OCOEE, FL 34761-4790
Document Number	0000317518
Map Reference	MB 37 PG 16-18
Instrument Date	May 31, 2024
Instrument	20240317518
Transaction Type	Transfer
Record Updated	Dec 9, 2025
Title Company	INVESTOR TITLE INSURANCE COMPANY, INVESTORS TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,745.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	201 E MILLER ST, ORLANDO, FL 32806-2140

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	423 FERN MEADOW LOOP, OCOEE, FL 34761-4790

Mortgage

Document Number	0000317519
Date	Jun 3, 2024
Instrument	20240317519

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2054

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE FL
Recording Date	Feb 29, 2024
Property Address	423 FERN MEADOW LOOP, OCOEE, FL 34761-4790
Document Number	0000118068
Map Reference	MB 37 PG 16
Instrument Date	Feb 23, 2024
Instrument	20240118068
Transaction Type	Transfer
Record Updated	Dec 9, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	423 FERN MEADOW LOOP # LOOP3, LOOP3, OCOEE, FL 34761-4790

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 FERN MEADOW LOOP, OCOEE, FL 34761-4790
Investor	Possibly a Property Investor

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jan 20, 2022
Property Address	423 FERN MEADOW LOOP, OCOEE, FL 34761-4790
Document Number	0000045409
Map Reference	MB 37 PG 16
Instrument Date	Jan 14, 2022
Instrument	20220045409
Transaction Type	Transfer
Record Updated	Dec 9, 2025
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,905.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	423 FERN MEADOW LOOP, OCOEE, FL 34761-4790

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 FERN MEADOW LOOP, OCOEE, FL 34761-4790

Mortgage

Document Number	0000045410
Date	Jan 20, 2022
Instrument	20220045410

Lender

Name	CHRISTENSEN FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	423 FERN MEADOW LOOP, OCOEE, FL 34761-4790
Document Number	0000359153
Instrument Date	Jun 25, 2020
Transaction Type	Mortgage
Record Updated	Jul 16, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	423 FERN MEADOW LOOP OCOEE FL 347614790, OCOEE, FL 34761-4790

Mortgage

Document Number	0000359153
Date	Jul 1, 2020
Instrument	359153

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 30, 2050

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Sep 29, 2017
Property Address	423 FERN MEADOW LOOP, OCOEE, FL 34761-4790
Document Number	0000534264
Map Reference	MB 37 PG 16
Instrument Date	Sep 21, 2017
Instrument	20170534264
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,029.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11200 ROSE DOWN CT, 11200, WINDERMERE, FL 34786-3409

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 FERN MEADOW LOOP, OCOEE, FL 34761-4790

Mortgage

Document Number	0000534265
Date	Sep 29, 2017
Instrument	20170534265

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Orange County
Municipality	Ocoee City
Unified School District	Orange County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$397,111 (+2.7%)	$439,900 (-1.39%) Land $105,000 Building $334,900
2025	$6,391.00 (-15.9%)	$386,671 (-5.19%)	$446,120 (+9.39%) Land $105,000 Building $341,120
2024	$7,599.00 (+16.1%)
2023	$6,545.00 (+44.61%) Homeowner's exemption	$407,833 (+43.27%) Land $105,000 Building $302,833	$407,833 (+12.57%) Land $105,000 Building $302,833
2022	$4,526.00 Homeowner's exemption	$284,651	$362,296 Land $105,000 Building $257,296

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
Flood Insurance Cost	Premium on Record median of 38 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	38 in force
Nearby Flood Claims	2 (2022–2025)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 2025 · 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	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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 255 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Andrena, AT&T, Summit Broadband.

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