4989 Sawdust Cir, Ocoee, FL 34761 Property Records

Orange County property record for 4989 Sawdust Cir, Ocoee, FL 34761 · Last verified May 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,732 sqft · built 1990
Lot Size0.294 acres (12,823 sqft)
OwnerIndividual Name on File
Last Sale$154,000 (Jun 2014)
Tax Bill$2,635 (2025)
Deeds & MortgagesAug 2022 Reverse Mortgage
Apr 2017 Mortgage
Flood ZoneZone X (minimal risk)
APN03-22-28-7859-01-770

Property Details

APN / Parcel Number

Primary APN03-22-28-7859-01-770
Alternative APNs
  • 282203785901770
  • 223998
  • 228530
  • 233036

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,732 sqft Living Area
Gross Area2,144 sqft
1st Floor Area1,732 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1990
Effective Year BuiltEffective 2000
Exterior MaterialStone
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area12,823 sqft (0.294 acres)
Garage TypeAttached
Garage Area400 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchSlab
Porch Area12 sqft
Shed1 Shed
Total Buildings2 Buildings

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address4989 SAWDUST CIR
CityOCOEE
StateFL
Zip34761-8438
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSAWMILL PHASE 2 25/86 LOT 177
Legal Range28E
Legal Township22S
Legal Section03
Legal SubdivisionSAWMILL PH 2
Legal Phase2
Legal Tract177
Legal Block1
Legal Lot Number177
JurisdictionORANGE FL
Township / Civil DivisionWINTER GARDEN-OCOEE
Census Block Group2
Census Block2000
Census Tract15006

Owner

Source: Orange County records · APN 03-22-28-7859-01-770

Assessment roll updated 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 RecordIndividual Name on File
Mailing Address4989 SAWDUST CIR, OCOEE, FL 34761-8438
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 18, 2022Deed of Trust, Mortgage · Reverse Mortgage
PLAZA HOME MORTGAGE INC
Apr 10, 2017Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MTG

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJun 04, 2014 · Amount on Record
Deed SaleJun 04, 2014 · Amount on Record
Prior SaleFeb 03, 2014 · Amount on Record
Deed Document Number2014274711
Deed Book / Page10753 / 8989
Record UpdatedJun 08, 2026

August 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionORANGE FL
Property Address4989 SAWDUST CIR, OCOEE, FL 34761-8438
Transaction TypeMortgage
Record UpdatedApr 17, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address4989 SAWDUST CIR, OCOEE, FL 34761-8438

Mortgage

Document Number0000505707
DateAug 18, 2022
Instrument20220505707
Lender
NamePLAZA HOME MORTGAGE INC
TypeMortgage Company
AddressSAN DIEGO, CA 92121
Agreement
TypeReverse Mortgage
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Rate4.62%
AdjustableAdjustable Rate Rider
Change FrequencyMonthly
Index1-Year CMT
Max Rate9.62%

April 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionORANGE FL
Property Address4989 SAWDUST CIR, OCOEE, FL 34761-8438
Document Number0000217842
Instrument DateApr 10, 2017
Transaction TypeMortgage
Record UpdatedMay 15, 2017
Title CompanyALOMA TITLE COMPANY, ALOMA TITLE CO

Transferred To (Grantee/Buyer)

NameVerified Name
Address4989 SAWDUST CIR OCOEE FL 347618438, OCOEE, FL 34761-8438

Mortgage

Document Number0000217842
DateApr 20, 2017
Instrument217842
Lender
NameUNITED WHOLESALE MTG
TypeMortgage Company
AddressTROY, MI 48083
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueApr 19, 2047

Tax Assessment & Valuation

Source: Orange County records · Assessment roll updated 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$161,717 (+2.7%)$311,260 (-1.3%) Land $90,000 Building $221,260
2025$2,635.00 (+10.44%) Homeowner's exemption$157,465 (+5.99%)$315,360 (+9.2%) Land $90,000 Building $225,360
2024$2,386.00 (+3.56%)
2023$2,304.00 (+3.74%) Homeowner's exemption$148,570 (+3%)$288,781 (+12.28%) Land $90,000 Building $198,781
2022$2,221.00 Homeowner's exemption$144,243$257,207 Land $90,000 Building $167,207

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Orange County (12095C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120950150062, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 17 individual NFIP policies nearby
Community Rating SystemClass 9 (5% premium discount)
Nearby Flood Policies17 in force
15 of 17 on primary residences

Wildfire

Wildfire RiskModerate
above 44% of the US · above 14% of Florida
Wildfire LikelihoodAbout 1 in 1,370 per year
ExposureDirect
burnable vegetation at the parcel

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.

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