Orange County property record for 45 W Smith St, Winter Garden, FL 34787
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 938 sqft · built 1940 |
| Lot Size | 0.13 acres (5,642 sqft) |
| Owner | Company Name on Record |
| Last Sale | $150,000 (Apr 2017) |
| Tax Bill | $3,429 (2025) |
| Deeds & Mortgages | Apr 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-22-27-2888-07-084 |
| Primary APN | 23-22-27-2888-07-084 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 4 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 938 sqft Living Area |
| Gross Area | 1,043 sqft |
| 1st Floor Area | 713 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,642 sqft (0.13 acres) |
| Porch | Florida Room |
|---|---|
| Porch Area | 322 sqft |
| Shed | 1 Shed |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 45 W SMITH ST |
|---|---|
| City | WINTER GARDEN |
| State | FL |
| Zip | 34787-3582 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | C-1 |
| Legal Description | FRIES PLAT OF WINTER GARDEN E/16 W 62 FT OF S 91 FT OF LOT 8 BLK G |
| Legal Range | 27E |
| Legal Township | 22S |
| Legal Section | 23 |
| Legal Subdivision | FRIES SURVEY OF WINTER GARDEN |
| Legal Tract | 2888 |
| Legal Block | G |
| Legal Lot Number | 8 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | WINTER GARDEN-OCOEE |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 17302 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 14364 BLACK QUILL DR, WINTER GARDEN, FL 34787-5158 |
| Owner Type | Company |
| Vesting | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 1, 2017 · Amount on Record |
| Deed Sale | Apr 1, 2017 · Amount on Record |
| Prior Sale | Jun 18, 1999 · Amount on Record |
| Prior Transfer Date | Oct 13, 2008 |
| Prior Transfer Doc | 0000648588 |
| Record Updated | Jun 8, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Apr 26, 2017 |
| Property Address | 45 W SMITH ST, WINTER GARDEN, FL 34787-3582 |
| Document Number | 0000230744 |
| Instrument Date | Apr 21, 2017 |
| Instrument | 230744 |
| Transaction Type | Transfer |
| Record Updated | May 15, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,050.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 14364 BLACK QUILL DR WINTER GARDEN FL 347875158, WINTER GARDEN, FL 34787-5158 |
| Document Number | 230745 |
|---|---|
| Date | Apr 26, 2017 |
| Instrument | 230745 |
| Name | VELOCITY COM'L CAP |
|---|---|
| Type | Funding / Finance Company |
| Address | WESTLAKE VILLAGE, CA 91362 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 25, 2047 |
| Rate Type | Adjustable Rate |
|---|
Source: Orange County assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Municipality | Winter Garden City |
| Unified School District | Orange County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $195,993 (+1%) | $255,930 (-1.47%) Land $141,050 Building $114,880 | |
| 2025 | $3,429.00 (+7.83%) | $178,175 (-35.24%) | $259,740 (-5.6%) Land $141,050 Building $118,690 |
| 2024 | $3,180.00 (+0.54%) | ||
| 2023 | $3,163.00 (+35.75%) | $275,150 (+68.15%) Land $169,260 Building $105,890 | $275,150 (+68.15%) Land $169,260 Building $105,890 |
| 2022 | $2,330.00 | $163,632 Land $73,346 Building $90,286 | $163,632 Land $73,346 Building $90,286 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 11 policies |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 1 (2024) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2024 · rainfall accumulation |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 | WINTER GARDEN WATER DEPT (3 WPS) serves 72,205 people · EPA ID FL3481481 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2024 |
| Lead | 3 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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 378 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T, CenturyLink, Metronet, Verizon, Xfinity.
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