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449 Emory Oak St, Ocoee, FL 34761 Property Records

Orange County property record for 449 Emory Oak St, Ocoee, FL 34761

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,582 sqft · built 1997
Lot Size0.229 acres (9,969 sqft)
Owner2 Individual Names on File
Last Sale$405,000 (Nov 2020)
Tax Bill$5,760 (2025)
Deeds & MortgagesOct 2023 Line of Credit
Nov 2020 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN31-22-28-0902-00-450

Property Details

APN / Parcel Number

Primary APN31-22-28-0902-00-450
Alternative APNs
  • 282231090200450
  • 259080
  • 263926
  • 268471

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,582 sqft Living Area
Gross Area3,399 sqft
1st Floor Area2,582 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1997
Effective Year BuiltEffective 1997
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area9,969 sqft (0.229 acres)
Garage TypeAttached
Garage Area462 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area355 sqft
Total Buildings2 Buildings

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address449 EMORY OAK ST
CityOCOEE
StateFL
Zip34761-5639
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePUD-LD
Legal DescriptionBROOKHAVEN OAKS 36/125 LOT 45
Legal Range28E
Legal Township22S
Legal Section31
Legal SubdivisionBROOKHAVEN OAKS
Legal Tract902
Legal Lot Number45
JurisdictionORANGE FL
Township / Civil DivisionSOUTHWEST ORANGE
Census Block Group1
Census Block1011
Census Tract17119

Owner

Source: Orange County assessment roll, APN 31-22-28-0902-00-450, as of 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 Record2 Individual Names on File
Mailing Address449 EMORY OAK ST, OCOEE, FL 34761-5639
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 20, 2023Deed of Trust, Mortgage · Line of Credit
GENEVA FINANCIAL LLC
Nov 12, 2020Warranty Deed, Transfer · Conventional with PMI
CERTIFIED MTG PLANNERS
May 31, 2019Deed of Trust, Mortgage · Line of Credit
PARTNERS FCU

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 12, 2020 · Amount on Record
Deed SaleNov 12, 2020 · Amount on Record
Prior SaleSep 06, 1997 · Amount on Record
Deed Document Number2020590964
Record UpdatedJun 08, 2026

October 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionORANGE FL
Property Address449 EMORY OAK ST, OCOEE, FL 34761-5639
Transaction TypeMortgage
Record UpdatedNov 06, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address449 EMORY OAK ST, OCOEE, FL 34761-5639

Mortgage

Document Number0000609101
DateOct 20, 2023
Instrument20230609101
Lender
NameGENEVA FINANCIAL LLC
TypeMortgage Company
AddressSCOTTSDALE, AZ 85255
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueOct 21, 2053
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

November 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionORANGE FL
Recording DateNov 12, 2020
Property Address449 EMORY OAK ST, OCOEE, FL 34761-5639
Document Number0000590964
Instrument DateNov 06, 2020
Instrument590964
Transaction TypeTransfer
Record UpdatedDec 01, 2020
Title CompanyTREASURE TITLE INSURANCE AGENCY INC, TREASURE TITLE INS AGCY INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,835.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address449 EMORY OAK ST OCOEE FL 347615639, OCOEE, FL 34761-5639

Mortgage

Document Number590965
DateNov 12, 2020
Instrument590965
Lender
NameCERTIFIED MTG PLANNERS
TypeMortgage Company
AddressLAKE MARY, FL 32746
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueNov 11, 2050

May 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionORANGE FL
Property Address449 EMORY OAK ST, OCOEE, FL 34761-5639
Document Number0000363926
Instrument DateMay 31, 2019
Transaction TypeMortgage
Record UpdatedJun 28, 2019
Title CompanyTITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address449 EMORY OAK ST OCOEE FL 347615639, OCOEE, FL 34761-5639

Mortgage

Document Number0000363926
DateJun 13, 2019
Instrument363926
Lender
NamePARTNERS FCU
TypeCredit Union
AddressORLANDO, FL 32821
Agreement
TypeLine of Credit
AmountAmount Recorded
Term240 Months
DueJun 12, 2039
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Orange County assessment roll as of April 30, 2026 · Last verified May 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOrange County
MunicipalityOcoee City
Unified School DistrictOrange 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.

YearTax BillAssessed ValueAssessed Market Value
2026$353,040 (+2.7%)$508,800 (-1.5%) Land $100,000 Building $408,800
2025$5,760.00 (+6.81%) Homeowner's exemption$343,759 (+5.99%)$516,550 (+9.82%) Land $100,000 Building $416,550
2024$5,393.00 (+3.39%)
2023$5,216.00 (+3.1%) Homeowner's exemption$324,341 (+3%)$470,340 (+15.62%) Land $100,000 Building $370,340
2022$5,059.00 Homeowner's exemption$314,894$406,808 Land $100,000 Building $306,808

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Orange County (12095C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120950171191, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 46 policies
Community Rating SystemClass 9 (5% premium discount)
Nearby Flood Policies46 in force

Wildfire

Wildfire RiskLow
lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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, 339 locations within half a mile, as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 35
Verizon
Fixed Wireless		300 / 20
Lumen Technologies
DSL · Fiber in parts of the area		100 / 100
T-Mobile USA
Fixed Wireless		100 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL3480204, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemOCOEE, CITY OF (2 WPS)
serves 34,000 people
Water SourceGroundwater
Last State InspectionDec 2025
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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