438 Saddell Bay Loop, Ocoee, FL 34761 Property Records

Orange County property record for 438 Saddell Bay Loop, Ocoee, FL 34761 · Last verified May 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 1996
Square Footage	1,624 sqft Living Area
Lot Size	5,798 sqft (0.133 acres)
Occupancy	Owner Occupied
Last Sale	$135,000 (2012)
Tax Bill	$2,903.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`31-22-28-1801-00-220`
Alternative APNs	`282231180100220` `259264` `264111` `268655`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,624 sqft Living Area
Gross Area	2,217 sqft Gross Area
1st Floor	1,624 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Custom Design Style
Exterior Material	Concrete Block Exterior
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	5,798 sqft (0.133 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage
Garage Area	440 sqft Garage
Porch Area	153 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air with Air Conditioning Heating
Heating Fuel	Electric Heating Fuel

Location & Zoning

Street Address	438 SADDELL BAY LOOP
City	OCOEE
State	FL
Zip	34761-5601
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	CRESENTLAKE 36/46 LOT 22
Legal Range	28E
Legal Township	22S
Legal Section	31
Legal Subdivision	CRESENTLAKE
Legal Tract	1801
Legal Lot Number	22
Jurisdiction	ORANGE FL
Minor Civil Division	SOUTHWEST ORANGE
Census Blockgroup	1
Census Block	1011
Census Tract	17119

Owner

Source: Orange County records · APN 31-22-28-1801-00-220

Assessment roll updated April 30, 2026 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	438 SADDELL BAY LOOP, OCOEE, FL 34761-5601
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 23, 2012 · Amount on Record
Deed Sale	Feb 23, 2012 · Amount on Record
Deed Doc Number	201297968
Deed Book / Page	10336 / 7422
Prior Transfer Date	Jan 04, 2012
Prior Transfer Doc	0000012434
Record Refreshed	Jun 08, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	438 SADDELL BAY LOOP, OCOEE, FL 34761-5601
Transaction Type	Mortgage
Record Updated	Apr 29, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 SADDELL BAY LOOP, OCOEE, FL 34761-5601

Mortgage

Document Number	0000243472
Date	Apr 14, 2022
Instrument	20220243472

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2052

Tax Assessment & Valuation

Source: Orange County records · Assessment roll updated April 30, 2026 · Last verified May 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$178,506 (+2.7%)	$340,180 (-1.27%) Land $90,000 Building $250,180
2025	$2,903.00 (+9.67%) Homeowner's exemption	$173,813 (+5.99%)	$344,570 (+9.62%) Land $90,000 Building $254,570
2024	$2,647.00 (+3.56%)
2023	$2,556.00 (+3.61%) Homeowner's exemption	$163,994 (+3%)	$314,328 (+12.85%) Land $90,000 Building $224,328
2022	$2,467.00 Homeowner's exemption	$159,217	$278,531 Land $90,000 Building $188,531

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Orange County (12095C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.