Orange County property record for 426 Setter Trl, Winter Park, FL 32789
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2.5 ba · 2,251 sqft · built 1972 |
| Lot Size | 0.413 acres (17,986 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $801,000 (Nov 2022) |
| Tax Bill | $8,685 (2025) |
| Deeds & Mortgages | Jan 2023 Line of Credit Nov 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-22-30-7270-03-200 |
| Primary APN | 17-22-30-7270-03-200 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 1 Room |
| Stories | 1 Story |
| Building Area | 2,251 sqft Living Area |
| Gross Area | 2,850 sqft |
| 1st Floor Area | 2,251 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1977 |
| Exterior Material | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 17,986 sqft (0.413 acres) |
| Garage Type | Attached |
| Garage Area | 575 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 24 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 426 SETTER TRL |
|---|---|
| City | WINTER PARK |
| State | FL |
| Zip | 32789-6140 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1AA |
| Legal Description | QUAIL HOLLOW 3/53 LOT 20 BLK C |
| Legal Range | 30E |
| Legal Township | 22S |
| Legal Section | 17 |
| Legal Subdivision | QUAIL HOLLOW |
| Legal Tract | 7270 |
| Legal Block | C |
| Legal Lot Number | 20 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | ORLANDO |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 12800 |
426 Setter Trl is owned and occupied by two individuals who bought it in November 2022.
Source: Orange County records, as of April 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 426 SETTER TRL, WINTER PARK, FL 32789-6140 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Jan 31, 2023 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Nov 22, 2022 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 22, 2022 · Amount on File |
| Deed Sale | Nov 22, 2022 · Amount on File |
| Prior Sale | Oct 8, 1993 |
| Deed Document Number | 2022704694 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 426 SETTER TRL, WINTER PARK, FL 32789-6140 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|---|
| Address | 426 SETTER TRL, WINTER PARK, FL 32789-6140 |
| Document Number | 0000054143 |
|---|---|
| Date | Jan 31, 2023 |
| Instrument | 20230054143 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 15, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Nov 22, 2022 |
| Property Address | 426 SETTER TRL, WINTER PARK, FL 32789-6140 |
| Document Number | 0000704694 |
| Map Reference | MB 3 PG 53&54 |
| Instrument Date | Nov 18, 2022 |
| Instrument | 20220704694 |
| Transaction Type | Transfer |
| Record Updated | Apr 2, 2026 |
| Title Company | SAINT LAWRENCE TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,607.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1111 S LAKEMONT AVE # AVE517, AVE517, WINTER PARK, FL 32792-5496 |
| Name | Verified Name |
|---|---|
| Address | 426 SETTER TRL, WINTER PARK, FL 32789-6140 |
| Document Number | 0000704695 |
|---|---|
| Date | Nov 22, 2022 |
| Instrument | 20220704695 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2052 |
The 2025 property tax bill for 426 Setter Trl was $8,685, up 3.4% from the year before.
Source: Orange County assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Municipality | Winter Park City |
| Unified School District | Orange County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $588,067 (+2.7%) | $708,490 (-2.17%) Land $300,000 Building $408,490 | |
| 2025 | $8,685.00 (+3.44%) Homeowner's exemption | $572,607 | $724,210 Land $300,000 Building $424,210 |
| 2024 | $8,396.00 (+4.04%) | ||
| 2023 | $8,070.00 (+121.16%) Homeowner's exemption | $540,261 (+95.95%) | $678,947 (+36.66%) Land $300,000 Building $378,947 |
| 2022 | $3,649.00 Homeowner's exemption | $275,713 | $496,825 Land $220,000 Building $276,825 |
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.
FEMA maps place 426 Setter Trl in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1996.
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 21 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 21 in force |
| Nearby Flood Claims | 5 (1996–2024) |
| Claims Outside the SFHA | 5 of 5 |
| 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.
Wildfire risk around 426 Setter Trl is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 97.6% 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 PARK, CITY OF (3 WPS) serves 82,984 people · EPA ID FL3481482 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2025 |
| Lead | 1 ppb (2023) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Apr 2021 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 316 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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