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

Orange County property record for 440 Fern Meadow Loop, #LO, Ocoee, FL 34761 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,338 sqft · built 1997
Lot Size	0.242 acres (10,532 sqft)
Owner	2 Individual Names on File
Last Sale	$329,900 (Jun 2018)
Tax Bill	$5,724 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Sep 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`32-22-28-1855-02-510`

Property Details

APN / Parcel Number

Primary APN	`32-22-28-1855-02-510`
Alternative APNs	`282232185502510` `260516` `265362` `269909`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,338 sqft Living Area
Gross Area	3,103 sqft
1st Floor Area	2,338 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1998
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,532 sqft (0.242 acres)
Garage Type	Attached
Garage Area	551 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	310 sqft
Porch	Slab
Porch Area	214 sqft
Patio Area	2 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	440 FERN MEADOW LOOP, LO
City	OCOEE
State	FL
Zip	34761-4791
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CROSS CREEK PHASE 2 37/16 LOT 251
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	251
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2024
Census Tract	14814

Owner

Source: Orange County records · APN 32-22-28-1855-02-510

Assessment roll updated April 30, 2026 · Last verified August 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 File
Mailing Address	440 FERN MEADOW LOOP, OCOEE, FL 34761-4791
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2026	Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION
Sep 27, 2023	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Jun 12, 2018	Warranty Deed, Transfer NAVY FCU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 12, 2018 · Amount on Record
Deed Sale	Jun 12, 2018 · Amount on Record
Prior Sale	Mar 23, 2005 · Amount on Record
Deed Document Number	2018343985
Transfer Doc	6237006462
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Recording Date	Jul 29, 2026
Property Address	440 FERN MEADOW LOOP, LO, OCOEE, FL 34761-4791
Document Number	0000421966
Instrument Date	Jul 21, 2026
Instrument	2026421966
Transaction Type	Mortgage
Record Updated	Aug 07, 2026
Title Company	SIMPLE TITLE, SIMPLIFILE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 FERN MEADOW LOOP, LO, OCOEE, FL 34761-4791

Mortgage

Document Number	0000421966,
Date	Jul 29, 2026
Instrument	2026421966

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Aug 01, 2066

Interest

Rate	6.49%
Max Rate	-1%

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	440 FERN MEADOW LOOP, OCOEE, FL 34761-4791
Transaction Type	Mortgage
Record Updated	Dec 09, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 FERN MEADOW LOOP, OCOEE, FL 34761-4791

Mortgage

Document Number	0000555747
Date	Sep 27, 2023
Instrument	20230555747

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Sep 01, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jun 12, 2018
Property Address	440 FERN MEADOW LOOP, OCOEE, FL 34761-4791
Document Number	0000343985
Instrument Date	Jun 11, 2018
Instrument	343985
Transaction Type	Transfer
Record Updated	Jul 03, 2018
Title Company	FIRST SERVICE TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,309.30
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	440 FERN MEADOW LOOP OCOEE FL 347614791, OCOEE, FL 34761-4791

Mortgage

Document Number	343986
Date	Jun 12, 2018
Instrument	343986

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 11, 2048

Tax Assessment & Valuation

Source: Orange County records · Assessment roll updated April 30, 2026 · Last verified August 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		$350,768 (+2.7%)	$471,360 (-1.41%) Land $105,000 Building $366,360
2025	$5,724.00 (+6.83%) Homeowner's exemption	$341,546 (+5.99%)	$478,120 (+9.69%) Land $105,000 Building $373,120
2024	$5,358.00 (+3.4%)
2023	$5,182.00 (+3.1%) Homeowner's exemption	$322,252 (+3%)	$435,874 (+12.99%) Land $105,000 Building $330,874
2022	$5,026.00 Homeowner's exemption	$312,866	$385,775 Land $105,000 Building $280,775

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Orange County (12095C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120950148142, refreshed September 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
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 38 individual NFIP policies nearby
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

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 255 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: AT&T, Orlando Telephone Company, Spectrum, Andrena. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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