Orange County property record for 4438 Old Sycamore Loop, Winter Garden, FL 34787
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,390 sqft · built 2015 |
| Lot Size | 0.256 acres (11,152 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $330,000 (Feb 2015) |
| Tax Bill | $8,924 (2025) |
| Deeds & Mortgages | Mar 2024 Line of Credit Sep 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-23-27-5844-00-050 |
| Primary APN | 09-23-27-5844-00-050 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,390 sqft Living Area |
| Gross Area | 3,663 sqft |
| 1st Floor Area | 1,178 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,152 sqft (0.256 acres) |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 509 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 4438 OLD SYCAMORE LOOP |
|---|---|
| City | WINTER GARDEN |
| State | FL |
| Zip | 34787-5357 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | P-D |
| Legal Description | ORCHARD HILLS PHASE 1 81/18 LOT 5 |
| Legal Range | 27E |
| Legal Township | 23S |
| Legal Section | 09 |
| Legal Subdivision | ORCHARD HILLS PH 1 |
| Legal Phase | 1 |
| Legal Tract | 5844 |
| Legal Lot Number | 5 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 17114 |
4438 Old Sycamore Loop is owned and occupied by two individuals who bought it in February 2015.
Source: Orange County records, as of May 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4438 OLD SYCAMORE LOOP, WINTER GARDEN, FL 34787-5357 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Mar 6, 2024 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Sep 27, 2023 | Deed of Trust, Mortgage · Stand-Alone First Mortgage FIRST BANK OF THE LAKE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 24, 2015 · Amount on File |
| Deed Sale | Feb 24, 2015 · Amount on File |
| Deed Document Number | 201595364 |
| Deed Book / Page | 10879 / 7351 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 4438 OLD SYCAMORE LOOP, WINTER GARDEN, FL 34787-5357 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2024 |
| Name | Verified Name |
|---|---|
| Address | 4438 OLD SYCAMORE LOOP, WINTER GARDEN, FL 34787-5357 |
| Document Number | 0000133262 |
|---|---|
| Date | Mar 6, 2024 |
| Instrument | 20240133262 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 27, 2039 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 4438 OLD SYCAMORE LOOP, WINTER GARDEN, FL 34787-5357 |
| Transaction Type | Mortgage |
| Record Updated | Oct 11, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4438 OLD SYCAMORE LOOP, WINTER GARDEN, FL 34787-5357 |
| Document Number | 0000554752 |
|---|---|
| Date | Sep 27, 2023 |
| Instrument | 20230554752 |
| Name | FIRST BANK OF THE LAKE |
|---|---|
| Type | Bank |
| Address | OSAGE BEACH, MO 65065 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Sep 15, 2033 |
The 2025 property tax bill for 4438 Old Sycamore Loop was $8,924, up 4.2% from the year before.
Source: Orange County assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Unified School District | Orange County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $535,730 (-3.02%) Land $100,000 Building $435,730 | $535,730 (-9.37%) Land $100,000 Building $435,730 | |
| 2025 | $8,924.00 (+4.17%) Homeowner's exemption | $552,385 | $591,100 Land $110,000 Building $481,100 |
| 2024 | $8,567.00 (+7.38%) | ||
| 2023 | $7,978.00 (+13.49%) Homeowner's exemption | $521,182 (+13.06%) Land $110,000 Building $411,182 | $521,182 (+13.06%) Land $110,000 Building $411,182 |
| 2022 | $7,030.00 | $460,958 Land $110,000 Building $350,958 | $460,958 Land $110,000 Building $350,958 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4438 Old Sycamore Loop in Zone X, an area of minimal flood risk.
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 25 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 25 in force |
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 4438 Old Sycamore Loop is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · lower than 87% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% 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 | OCUD/SOUTHERN WATER SYS (5 WPS) serves 80,738 people · EPA ID FL3484119 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2024 |
| Lead | 2 ppb (2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 260 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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