5118 Timber Ridge Trl, Ocoee, FL 34761 Property Records

Orange County property record for 5118 Timber Ridge Trl, Ocoee, FL 34761

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,732 sqft · built 1989
Lot Size	0.268 acres (11,690 sqft)
Owner	Individual Name on File
Last Sale	$264,900 (Jan 2020)
Tax Bill	$5,877 (2025)
Deeds & Mortgages	May 2023 Line of Credit Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-22-28-7821-00-900`

Property Details

APN / Parcel Number

Primary APN	`03-22-28-7821-00-900`
Alternative APNs	`282203782100900` `223757` `228288` `232794`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,732 sqft Living Area
Gross Area	2,156 sqft
1st Floor Area	1,732 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2000
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,690 sqft (0.268 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	24 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5118 TIMBER RIDGE TRL
City	OCOEE
State	FL
Zip	34761-8434
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	SAWMILL PHASE 1 23/32 LOT 90
Legal Range	28E
Legal Township	22S
Legal Section	03
Legal Subdivision	SAWMILL PH 1
Legal Phase	1
Legal Tract	7821
Legal Lot Number	90
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	1
Census Block	1009
Census Tract	15006

Owner

5118 Timber Ridge Trl is owned and occupied by an individual who bought it in January 2020.

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

Owner of Record	Individual Name on File
Mailing Address	5118 TIMBER RIDGE TRL, OCOEE, FL 34761-8434
Occupancy	Owner Occupied
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 10, 2023	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jan 6, 2020	Warranty Deed, Transfer · Conventional Mortgage CITADEL SERVICING CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 6, 2020 · Amount on File
Deed Sale	Jan 6, 2020 · Amount on File
Prior Sale	Sep 26, 2003 · Amount on File
Deed Document Number	20206095
Prior Transfer Date	May 12, 2005
Prior Transfer Doc	0000381253
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	5118 TIMBER RIDGE TRL, OCOEE, FL 34761-8434
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5224 MILL STREAM RD, OCOEE, FL 34761-8120

Mortgage

Document Number	0000267507
Date	May 10, 2023
Instrument	20230267507

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jan 6, 2020
Property Address	5118 TIMBER RIDGE TRL, OCOEE, FL 34761-8434
Document Number	0000006095
Map Reference	MB 23 PG 32-35
Instrument Date	Dec 23, 2019
Instrument	20200006095
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	WATSON TITLE SERVICES INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,854.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	RAU EUGENLO NETTO 393 #901 # 901, 901, GREAT FALLS, SC 29055

Mortgage

Document Number	0000006096
Date	Jan 6, 2020
Instrument	20200006096

Lender

Name	CITADEL SERVICING CORPORATION
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Jan 1, 2025
Change Frequency	Annually
Min Rate At Change	5.87%
Max Rate At Change	7.87%
Index	1-Year CMT
Max Rate	11.8%

Tax Assessment & Valuation

The 2025 property tax bill for 5118 Timber Ridge Trl was $5,877, up 8% 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		$309,828 (-1.55%) Land $90,000 Building $219,828	$309,828 (-1.55%) Land $90,000 Building $219,828
2025	$5,877.00 (+7.97%)	$314,698 Land $90,000 Building $224,698	$314,698 Land $90,000 Building $224,698
2024	$5,443.00 (+7.42%)
2023	$5,067.00 (+9.34%)	$290,279 (+11.09%) Land $90,000 Building $200,279	$290,279 (+11.09%) Land $90,000 Building $200,279
2022	$4,634.00	$261,306 Land $90,000 Building $171,306	$261,306 Land $90,000 Building $171,306

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

Flood

FEMA maps place 5118 Timber Ridge Trl 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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	3 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 5118 Timber Ridge Trl is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond 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 330 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Metronet.

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