505 Bernadino Dr, Ocoee, FL 34761 Property Records

Orange County property record for 505 Bernadino Dr, Ocoee, FL 34761

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,201 sqft · built 1988
Lot Size	0.302 acres (13,136 sqft)
Owner	Individual Name on File
Last Sale	$115,000 (Oct 2011)
Tax Bill	$2,505 (2025)
Deeds & Mortgages	Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-22-28-3385-00-480`

Property Details

APN / Parcel Number

Primary APN	`20-22-28-3385-00-480`
Alternative APNs	`282220338500480` `244197` `249041` `253610`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,201 sqft Living Area
Gross Area	3,093 sqft
1st Floor Area	2,201 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,136 sqft (0.302 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Florida Room
Porch Area	472 sqft
Gazebo	Gazebo
Storage Building	256 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	505 BERNADINO DR
City	OCOEE
State	FL
Zip	34761-3131
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1AA
Legal Description	HARBOUR HIGHLANDS 2 17/80 LOT 48 & N 30 FT OF VAC R/W ON S
Legal Range	28E
Legal Township	22S
Legal Section	20
Legal Subdivision	HARBOUR HIGHLANDS 2
Legal Tract	3385
Legal Lot Number	48
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	3
Census Block	3017
Census Tract	14906

Owner

Source: Orange County records · APN 20-22-28-3385-00-480

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 Record	Individual Name on File
Mailing Address	505 BERNADINO DR, OCOEE, FL 34761-3131
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 19, 2011 · Amount on Record
Deed Sale	Oct 19, 2011 · Amount on Record
Prior Sale	Oct 12, 2010
Deed Document Number	2011552186
Deed Book / Page	10283 / 3172
Record Updated	Jun 08, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	505 BERNADINO DR, OCOEE, FL 34761-3131
Document Number	0000544274
Instrument Date	Oct 14, 2020
Transaction Type	Mortgage
Record Updated	Oct 30, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	505 BERNADINO DR OCOEE FL 347613131, OCOEE, FL 34761-3131

Mortgage

Document Number	0000544274
Date	Oct 19, 2020
Instrument	544274

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 18, 2040

Tax Assessment & Valuation

Source: Orange County records · Assessment roll updated April 30, 2026 · Last verified May 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$158,478 (+2.7%)	$378,680 (-1.93%) Land $85,000 Building $293,680
2025	$2,505.00 (+10.99%) Homeowner's exemption Widower's exemption	$154,312 (+8.56%)	$386,120 (+11.37%) Land $85,000 Building $301,120
2024	$2,257.00 (+6.46%)
2023	$2,120.00 (+0.33%) Homeowner's exemption Widower's exemption	$142,139 (+3%)	$346,690 (+17.4%) Land $85,000 Building $261,690
2022	$2,113.00 Homeowner's exemption Widower's exemption	$137,999	$295,301 Land $75,000 Building $220,301

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	11 in force

Wildfire

Wildfire Risk	Moderate above 47% of the US · lower than 82% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Direct 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AT&T.

Based on FCC filings for 180 locations within half a mile of this property.

Drinking Water

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

Water System	OCOEE, CITY OF (2 WPS) serves 34,000 people
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 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.