5032 Sawdust Cir, Ocoee, FL 34761 Property Records

Orange County property record for 5032 Sawdust Cir, Ocoee, FL 34761

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,732 sqft · built 1990
Lot Size	0.24 acres (10,469 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Sep 2018)
Tax Bill	$4,549 (2025)
Deeds & Mortgages	Jan 2025 Line of Credit Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-22-28-7821-01-380`

Property Details

APN / Parcel Number

Primary APN	`03-22-28-7821-01-380`
Alternative APNs	`282203782101380` `223817` `228346` `232853`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,732 sqft Living Area
Gross Area	2,144 sqft
1st Floor Area	1,732 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2000
Exterior Material	Stone
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,469 sqft (0.24 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	12 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5032 SAWDUST CIR
City	OCOEE
State	FL
Zip	34761-8446
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	SAWMILL PHASE 1 23/32 LOT 138
Legal Range	28E
Legal Township	22S
Legal Section	03
Legal Subdivision	SAWMILL PH 1
Legal Phase	1
Legal Tract	7821
Legal Block	1
Legal Lot Number	138
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	2
Census Block	2001
Census Tract	15006

Owner

5032 Sawdust Cir is owned and occupied by an individual who bought it in September 2018.

Source: Orange County records, as of April 30, 2026

Owner of Record	Individual Name on File
Mailing Address	5032 SAWDUST CIR, OCOEE, FL 34761-8446
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jan 28, 2025	Intrafamily Transfer, Transfer · Line of Credit UNITED WHOLESALE MORTGAGE
Jul 10, 2020	Deed of Trust, Mortgage · Conventional with PMI RECOVCO MTG MGMT LLC
Sep 5, 2018	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 5, 2018 · Amount on File
Deed Sale	Sep 5, 2018 · Amount on File
Deed Document Number	2018524858
Prior Transfer Date	Aug 29, 2018
Prior Transfer Doc	0000524856
Record Updated	Oct 29, 2026

January 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE FL
Recording Date	Jan 28, 2025
Property Address	5032 SAWDUST CIR, OCOEE, FL 34761-8446
Document Number	0000053480
Map Reference	MB 23 PG 32-35
Instrument Date	Dec 12, 2024
Instrument	20250053480
Transaction Type	Transfer
Record Updated	Dec 5, 2025
Title Company	JBS TITLE AND ESCROW LLC, JS TITLE AND ESCROW LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5032 SAWDUST CIR, OCOEE, FL 34761-8446

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5032 SAWDUST CIR, OCOEE, FL 34761-8446

Mortgage

Document Number	0000000761
Date	Jan 28, 2025
Instrument	20250000761

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	5032 SAWDUST CIR, OCOEE, FL 34761-8446
Document Number	0000388141
Instrument Date	Jul 10, 2020
Transaction Type	Mortgage
Record Updated	Aug 7, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5032 SAWDUST CIR OCOEE FL 347618446, OCOEE, FL 34761-8446

Mortgage

Document Number	0000388141
Date	Jul 21, 2020
Instrument	388141

Lender

Name	RECOVCO MTG MGMT LLC
Address	IRVING, TX 75038

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 20, 2050

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Sep 5, 2018
Property Address	5032 SAWDUST CIR, OCOEE, FL 34761-8446
Document Number	0000524858
Map Reference	MB 23 PG 32-35
Instrument Date	Aug 31, 2018
Instrument	20180524858
Transaction Type	Transfer
Record Updated	Jan 3, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,540.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	650 E MINNEHAHA AVE, 650, CLERMONT, FL 34711-3445

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5032 SAWDUST CIR, OCOEE, FL 34761-8446

Mortgage

Document Number	0000524859
Date	Sep 5, 2018
Instrument	20180524859

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 5032 Sawdust Cir was $4,549, up 27.7% 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		$275,335 (+0.39%)	$313,260 (-1.29%) Land $90,000 Building $223,260
2025	$4,549.00 (+27.75%) Homeowner's exemption	$274,264	$317,360 Land $90,000 Building $227,360
2024	$3,561.00 (+3.46%)
2023	$3,442.00 (+3.39%) Homeowner's exemption	$218,110 (+3%)	$290,781 (+12.18%) Land $90,000 Building $200,781
2022	$3,329.00 Homeowner's exemption	$211,757	$259,207 Land $90,000 Building $169,207

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

Flood

FEMA maps place 5032 Sawdust Cir in Zone X, an area of minimal flood risk.

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 17 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	17 in force

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

Wildfire risk around 5032 Sawdust Cir is moderate, ranking above 43% of the US, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 43% of the US · lower than 85% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Metronet, T-Mobile, Xfinity.

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