445 Stinnett Dr, Ocoee, FL 34761 Property Records

Orange County property record for 445 Stinnett Dr, Ocoee, FL 34761

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,984 sqft · built 1977
Lot Size	0.402 acres (17,502 sqft)
Owner	Individual Name on Record
Last Sale	$267,800 (May 2020)
Tax Bill	$4,441 (2025)
Deeds & Mortgages	May 2020 Sale & Mortgage Dec 2018 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-22-28-4828-01-470`

Property Details

APN / Parcel Number

Primary APN	`20-22-28-4828-01-470`
Alternative APNs	`282220482801470` `244594` `249439` `254009`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,984 sqft Living Area
Gross Area	2,527 sqft
1st Floor Area	1,984 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1995
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	17,502 sqft (0.402 acres)
Garage Type	Attached
Garage Area	525 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	18 sqft
Shed	1 Shed
Gazebo	Gazebo

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	445 STINNETT DR
City	OCOEE
State	FL
Zip	34761-2835
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1AA
Legal Description	LAKE SHORE GARDENS 2ND ADDITION 5/10 LOT 147
Legal Range	28E
Legal Township	22S
Legal Section	20
Legal Subdivision	LAKE SHORE GARDENS 2ND ADD
Legal Tract	4828
Legal Block	1
Legal Lot Number	147
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	1
Census Block	1020
Census Tract	18100

Owner

Source: Orange County records, as of April 30, 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 Record
Mailing Address	445 STINNETT DR, OCOEE, FL 34761-2835
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 21, 2020	Warranty Deed, Transfer · Conventional with PMI WATERSTONE MTG
Dec 11, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Apr 18, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2020 · Amount on Record
Deed Sale	May 21, 2020 · Amount on Record
Deed Document Number	2020290989
Prior Transfer Date	Dec 4, 2018
Prior Transfer Doc	0000714652
Record Updated	Jun 8, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	May 21, 2020
Property Address	445 STINNETT DR, OCOEE, FL 34761-2835
Document Number	0000290989
Instrument Date	May 18, 2020
Instrument	290989
Transaction Type	Transfer
Record Updated	Jun 4, 2020
Title Company	EQUITABLE TITLE OF LAKE COUNTY, EQUITABLE TITLE OF LAKE CNTY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,875.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 STINNETT DR OCOEE FL 347612835, OCOEE, FL 34761-2835

Mortgage

Document Number	290990
Date	May 21, 2020
Instrument	290990

Lender

Name	WATERSTONE MTG
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 20, 2050

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE FL
Recording Date	Dec 11, 2018
Property Address	445 STINNETT DR, OCOEE, FL 34761-2835
Document Number	0000714652
Instrument Date	Dec 4, 2018
Instrument	714652
Transaction Type	Transfer
Record Updated	Jan 2, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	445 STINNETT DR OCOEE FL 347612835, OCOEE, FL 34761-2835

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE FL
Recording Date	Apr 18, 2018
Property Address	445 STINNETT DR, OCOEE, FL 34761-2835
Document Number	0000232182
Instrument Date	Mar 29, 2018
Instrument	232182
Transaction Type	Transfer
Record Updated	May 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	445 STINNETT DR OCOEE FL 347612835, OCOEE, FL 34761-2835

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		$274,904 (+2.7%)	$377,770 (-1.22%) Land $100,000 Building $277,770
2025	$4,441.00 (+7.19%) Homeowner's exemption	$267,677 (+5.99%)	$382,440 (+11.74%) Land $100,000 Building $282,440
2024	$4,143.00 (+3.45%)
2023	$4,005.00 (+3.27%) Homeowner's exemption	$252,556 (+3%)	$342,272 (+15.53%) Land $100,000 Building $242,272
2022	$3,878.00 Homeowner's exemption	$245,200	$296,263 Land $90,000 Building $206,263

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 33 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	33 in force
Nearby Flood Claims	18 (1994–2019)
Claims Outside the SFHA	4 of 18
Most Recent Claim	May 2019 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Hurricane Frances, Sep 2004 · 4 claims Severe Storms, High Winds, Tornadoes, And Flooding, Dec 1997 · 2 claims

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 330 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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