509 Torgiano Dr, Ocoee, FL 34761 Property Records

Orange County property record for 509 Torgiano Dr, Ocoee, FL 34761

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 4,007 sqft · built 2011
Lot Size	0.248 acres (10,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$428,700 (Jun 2011)
Tax Bill	$7,051 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Dec 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`31-21-28-9250-04-540`

Property Details

APN / Parcel Number

Primary APN	`31-21-28-9250-04-540`
Alternative APNs	`282131925004540` `214228` `218503` `223009`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	4,007 sqft Living Area
Gross Area	5,412 sqft
1st Floor Area	2,131 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,800 sqft (0.248 acres)
Garage Type	Attached
Garage Area	617 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	373 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	509 TORGIANO DR
City	OCOEE
State	FL
Zip	34761-5089
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1AA
Legal Description	WESTYN BAY PHASES 4 AND 5 71/80 LOT 454
Legal Range	28E
Legal Township	21S
Legal Section	31
Legal Subdivision	WESTYN BAY PH 4 AND 5
Legal Phase	S
Legal Tract	9250
Legal Block	4
Legal Lot Number	454
Jurisdiction	ORANGE FL
Township / Civil Division	APOPKA
Census Block Group	3
Census Block	3001
Census Tract	17506

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	509 TORGIANO DR, OCOEE, FL 34761-5089
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage GLOBAL EQUITY FINANCE INC
Dec 13, 2022	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Mar 24, 2025	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK CENTRAL FLORIDA
May 6, 2018	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 2011 · Amount on Record
Deed Sale	Jun 15, 2011 · Amount on Record
Deed Document Number	2011316603
Deed Book / Page	10227 / 8298
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	509 TORGIANO DR, OCOEE, FL 34761-5089
Transaction Type	Mortgage
Record Updated	Dec 9, 2025
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 TORGIANO DR, OCOEE, FL 34761-5089

Mortgage

Document Number	0000070468
Date	Feb 5, 2021
Instrument	20210070468

Lender

Name	GLOBAL EQUITY FINANCE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jan 1, 2051

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	509 TORGIANO DR, OCOEE, FL 34761-5089
Transaction Type	Mortgage
Record Updated	Dec 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 TORGIANO DR, OCOEE, FL 34761-5089

Mortgage

Document Number	0000747794
Date	Dec 13, 2022
Instrument	20220747794

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Nov 25, 2052

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	509 TORGIANO DR, OCOEE, FL 34761-5089
Transaction Type	Mortgage
Record Updated	Dec 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 TORGIANO DR, OCOEE, FL 34761-5089

Mortgage

Document Number	0000168518
Date	Mar 24, 2025
Instrument	20250168518

Lender

Name	FIFTH THIRD BANK CENTRAL FLORIDA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Feb 25, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	509 TORGIANO DR, OCOEE, FL 34761-5089
Document Number	0000301184
Instrument Date	May 6, 2018
Transaction Type	Mortgage
Record Updated	Jun 19, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	509 TORGIANO DR OCOEE FL 347615089, OCOEE, FL 34761-5089

Mortgage

Document Number	0000301184
Date	May 21, 2018
Instrument	301184

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 20, 2048

Tax Assessment & Valuation

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		$429,675 (+2.7%)	$614,270 (-1.34%) Land $115,000 Building $499,270
2025	$7,051.00 (+6.57%) Homeowner's exemption	$418,379 (+5.99%)	$622,640 (+11.41%) Land $115,000 Building $507,640
2024	$6,616.00 (+3.34%)
2023	$6,402.00 (+2.99%) Homeowner's exemption	$394,746 (+3%)	$558,869 (+17.06%) Land $115,000 Building $443,869
2022	$6,216.00 Homeowner's exemption	$383,249	$477,417 Land $100,000 Building $377,417

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

Flood

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
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 13 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	13 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

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

Wildfire Risk	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.06% 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	OCUD/SOUTHERN WATER SYS (5 WPS) serves 80,738 people · EPA ID FL3484119
Water Source	Groundwater
Last State Inspection	May 2024
Lead	2 ppb (2025) 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 385 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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