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

Orange County property record for 438 Fern Meadow Loop, #LO, Ocoee, FL 34761

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,962 sqft · built 1997
Lot Size	0.158 acres (6,901 sqft)
Owner	2 Individual Names on Record
Last Sale	$325,000 (Feb 2020)
Tax Bill	$6,720 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Feb 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`32-22-28-1855-02-500`

Property Details

APN / Parcel Number

Primary APN	`32-22-28-1855-02-500`
Alternative APNs	`282232185502500` `260515` `265361` `269908`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,962 sqft Living Area
Gross Area	2,382 sqft
1st Floor Area	1,962 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2002
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,901 sqft (0.158 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	20 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	438 FERN MEADOW LOOP, LO
City	OCOEE
State	FL
Zip	34761-4791
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD-LD
Legal Description	CROSS CREEK PHASE 2 37/16 LOT 250
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	250
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2024
Census Tract	14814

Owner

Source: Orange County records, as of May 4, 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	438 FERN MEADOW LOOP, OCOEE, FL 34761-4791
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2022	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Feb 17, 2020	Warranty Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 17, 2020 · Amount on Record
Deed Sale	Feb 17, 2020 · Amount on Record
Prior Sale	Mar 25, 1997 · Amount on Record
Deed Document Number	202095659
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	438 FERN MEADOW LOOP, OCOEE, FL 34761-4791
Transaction Type	Mortgage
Record Updated	Dec 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 FERN MEADOW LOOP, OCOEE, FL 34761-4791

Mortgage

Document Number	0000033128
Date	Jan 13, 2022
Instrument	20220033128

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

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

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Feb 17, 2020
Property Address	438 FERN MEADOW LOOP, OCOEE, FL 34761-4791
Document Number	0000095659
Map Reference	MB 37 PG 16-18
Instrument Date	Feb 10, 2020
Instrument	20200095659
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	THE CLOSING AGENT LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,275.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	553 BOCA CHICA CIR APT 103, 553, OCOEE, FL 34761-4896

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 FERN MEADOW LOOP, OCOEE, FL 34761-4791

Mortgage

Document Number	0000095660
Date	Feb 17, 2020
Instrument	20200095660

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

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		$404,760 (-0.49%) Land $105,000 Building $299,760	$404,760 (-1.22%) Land $105,000 Building $299,760
2025	$6,720.00 (+5.66%) Homeowner's exemption	$406,746 (+8.88%)	$409,750 (+9.68%) Land $105,000 Building $304,750
2024	$6,360.00 (+3.36%)
2023	$6,153.00 (+10.17%) Homeowner's exemption	$373,579 (+12.93%) Land $105,000 Building $268,579	$373,579 (+12.93%) Land $105,000 Building $268,579
2022	$5,585.00	$330,797 Land $105,000 Building $225,797	$330,797 Land $105,000 Building $225,797

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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