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

Orange County property record for 452 Fern Meadow Loop, #LO, Ocoee, FL 34761

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,966 sqft · built 1997
Lot Size	0.354 acres (15,399 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (May 2020)
Tax Bill	$4,464 (2025)
Deeds & Mortgages	May 2020 Sale & Mortgage Feb 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`32-22-28-1855-02-550`

Property Details

APN / Parcel Number

Primary APN	`32-22-28-1855-02-550`
Alternative APNs	`282232185502550` `260522` `265367` `269913`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,966 sqft Living Area
Gross Area	2,482 sqft
1st Floor Area	1,966 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1998
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	15,399 sqft (0.354 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Pool Area	350 sqft
Porch	Slab
Porch Area	116 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	452 FERN MEADOW LOOP, LO
City	OCOEE
State	FL
Zip	34761-4791
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD-LD
Legal Description	CROSS CREEK PHASE 2 37/16 LOT 255
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	255
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2024
Census Tract	14814

Owner

452 Fern Meadow Loop, #LO is owned by two individuals who bought it in May 2020.

Source: Orange County records, as of May 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	452 FERN MEADOW LOOP, OCOEE, FL 34761-4791
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.

Deeds, Mortgages & Sale History

Date	Document
May 15, 2020	Warranty Deed, Transfer · Conventional Mortgage REDFIN MTG LLC
Feb 28, 2017	Deed of Trust, Mortgage · Line of Credit FAIRWINDS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2020 · Amount on File
Deed Sale	May 15, 2020 · Amount on File
Prior Sale	Jul 7, 2004 · Amount on File
Deed Document Number	2020283003
Prior Transfer Date	Oct 20, 2003
Prior Transfer Doc	0000429301
Record Updated	Jun 8, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	May 15, 2020
Property Address	452 FERN MEADOW LOOP, OCOEE, FL 34761-4791
Document Number	0000283003
Instrument Date	May 11, 2020
Instrument	283003
Transaction Type	Transfer
Record Updated	May 28, 2020
Title Company	CLOSING AGENT INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,275.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	452 FERN MEADOW LOOP OCOEE FL 347614791, OCOEE, FL 34761-4791

Mortgage

Document Number	283004
Date	May 15, 2020
Instrument	283004

Lender

Name	REDFIN MTG LLC
Address	FRISCO, TX 75034

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 14, 2050

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	452 FERN MEADOW LOOP, OCOEE, FL 34761-4791
Document Number	0000130604
Instrument Date	Feb 28, 2017
Transaction Type	Mortgage
Record Updated	Apr 24, 2017
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	452 FERN MEADOW LOOP OCOEE FL 347614791, OCOEE, FL 34761-4791

Mortgage

Document Number	0000130604
Date	Mar 13, 2017
Instrument	130604

Lender

Name	FAIRWINDS FCU
Type	Credit Union
Address	ORLANDO, FL 32801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 12, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 452 Fern Meadow Loop, #LO was $4,464, up 7.2% from the year before.

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		$276,296 (+2.7%)	$422,220 (-1.43%) Land $105,000 Building $317,220
2025	$4,464.00 (+7.18%) Homeowner's exemption	$269,032	$428,360 Land $105,000 Building $323,360
2024	$4,165.00 (+3.45%)
2023	$4,026.00 (+3.26%) Homeowner's exemption	$253,835 (+3%)	$392,905 (+12.01%) Land $105,000 Building $287,905
2022	$3,899.00 Homeowner's exemption	$246,442	$350,789 Land $105,000 Building $245,789

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 452 Fern Meadow Loop, #LO in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2022.

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 38 policies
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

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

The area around 452 Fern Meadow Loop, #LO has no burnable land within ember reach, so its wildfire risk is not rated.

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 255 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Andrena, AT&T, Summit Broadband.

Nearby Properties on Fern Meadow Loop

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures