430 Winding Hollow Ave, Ocoee, FL 34761 Property Records

Orange County property record for 430 Winding Hollow Ave, Ocoee, FL 34761

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,770 sqft · built 1997
Lot Size	0.174 acres (7,589 sqft)
Owner	2 Individual Names on File
Last Sale	$465,000 (Apr 2026)
Tax Bill	$4,245 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Oct 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`32-22-28-1854-01-010`

Property Details

APN / Parcel Number

Primary APN	`32-22-28-1854-01-010`
Alternative APNs	`282232185401010` `260330` `265177` `269721`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,770 sqft Living Area
Gross Area	2,318 sqft
1st Floor Area	1,770 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	7,589 sqft (0.174 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	108 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	430 WINDING HOLLOW AVE
City	OCOEE
State	FL
Zip	34761-4732
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD-LD
Legal Description	CROSS CREEK OF OCOEE 33/30 LOT 101
Legal Range	28E
Legal Township	22S
Legal Section	32
Legal Subdivision	CROSS CREEK OF OCOEE
Legal Tract	1854
Legal Block	1
Legal Lot Number	101
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2003
Census Tract	14814

Owner

430 Winding Hollow Ave is owned and occupied by two individuals who bought it in April 2026.

Source: Orange County records, as of May 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	430 WINDING HOLLOW AVE, OCOEE, FL 34761-4732
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2025	Deed of Trust, Mortgage · Closed-End Mortgage REGIONS BANK
Oct 14, 2025	Deed of Trust, Mortgage · Closed-End Mortgage REGIONS BANK
Apr 27, 2026	Warranty Deed, Transfer · Conventional Mortgage HOME CAPITAL FUNDING INC
Aug 15, 2017	Warranty Deed, Transfer · Conventional Mortgage FIDELITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 27, 2026 · Amount on File
Deed Sale	Apr 27, 2026 · Amount on File
Prior Sale	Aug 15, 2017 · Amount on File
Deed Document Number	2026236576
Prior Transfer Date	Oct 27, 2012
Prior Transfer Doc	0000581251
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	430 WINDING HOLLOW AVE, OCOEE, FL 34761-4732
Transaction Type	Mortgage
Record Updated	May 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	430 WINDING HOLLOW AVE, OCOEE, FL 34761-4732

Mortgage

Document Number	0000645342
Date	Nov 6, 2025
Instrument	20250645342

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	240 Months
Due	Nov 1, 2045

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	430 WINDING HOLLOW AVE, OCOEE, FL 34761-4732
Transaction Type	Mortgage
Record Updated	May 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	430 WINDING HOLLOW AVE, OCOEE, FL 34761-4732

Mortgage

Document Number	0000594806
Date	Oct 14, 2025
Instrument	20250594806

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2040

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Apr 27, 2026
Property Address	430 WINDING HOLLOW AVE, OCOEE, FL 34761-4732
Document Number	0000236576
Instrument Date	Apr 23, 2026
Instrument	2026.236576
Transaction Type	Transfer
Record Updated	May 6, 2026
Title Company	INVESTORS TITLE INSURANCE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$328,755.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	430 WINDING HOLLOW AVE, OCOEE, FL 34761-4732
Investor	Possibly a Property Investor

Mortgage

Document Number	0000236577,
Date	Apr 27, 2026
Instrument	2026..236577

Lender

Name	HOME CAPITAL FUNDING INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Aug 15, 2017
Property Address	430 WINDING HOLLOW AVE, OCOEE, FL 34761-4732
Document Number	0000451698
Map Reference	MB 33 PG 30
Instrument Date	Aug 11, 2017
Instrument	20170451698
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,806.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3899 SERENA LN, 3899, CLERMONT, FL 34711-5068

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	430 WINDING HOLLOW AVE, OCOEE, FL 34761-4732

Mortgage

Document Number	0000451699
Date	Aug 15, 2017
Instrument	20170451699

Lender

Name	FIDELITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 430 Winding Hollow Ave was $4,245, up 7.4% from the year before.

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		$262,575 (+2.7%)	$373,850 (-1.23%) Land $105,000 Building $268,850
2025	$4,245.00 (+7.41%) Homeowner's exemption	$255,672	$378,490 Land $105,000 Building $273,490
2024	$3,952.00 (+3.46%)
2023	$3,820.00 (+3.3%) Homeowner's exemption	$241,229 (+3%)	$345,949 (+12.51%) Land $105,000 Building $240,949
2022	$3,698.00 Homeowner's exemption	$234,203	$307,480 Land $105,000 Building $202,480

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

Flood

FEMA maps place 430 Winding Hollow Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2022.

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 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

Wildfire risk around 430 Winding Hollow Ave is low, with 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 96% of the US · lower than 96% of Florida
Wildfire Likelihood	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	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 330 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Summit Broadband.

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