520 E Cypress St, Winter Garden, FL 34787 Property Records

Orange County property record for 520 E Cypress St, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,309 sqft · built 1958
Lot Size	0.306 acres (13,346 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,387 (2025)
Deeds & Mortgages	Jul 2020 Mortgage May 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`12-22-27-6496-20-006`

Property Details

APN / Parcel Number

Primary APN	`12-22-27-6496-20-006`
Alternative APNs	`272212649620006` `111671` `112323` `113605`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,309 sqft Living Area
Gross Area	1,984 sqft
1st Floor Area	816 sqft
Utility Area	64 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1968
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,346 sqft (0.306 acres)
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	704 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	520 E CYPRESS ST
City	WINTER GARDEN
State	FL
Zip	34787-4006
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	OVERSTREET CRATE COMPANYS F/9 THE E 125 FT OF W 653 FT OF S1 /2 OF N 1/2 OF S1/2 OF BLK S (LESS W 30 FT & N 25 FT FOR STS ) IN SEC 23-22-27 SE1/4
Legal Range	27E
Legal Township	22S
Legal Section	12
Legal Subdivision	OVERSTREET CRATE CO
Legal Tract	6496
Legal Block	S
Legal Lot Number	6
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	3
Census Block	3043
Census Tract	17402

Owner

520 E Cypress St is owned and occupied by two individuals who acquired it in May 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	520 E CYPRESS ST, WINTER GARDEN, FL 34787-4006
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
Jul 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage THE MTG FIRM
May 19, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 13, 2020
Transfer Doc	0000287934
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	520 E CYPRESS ST, WINTER GARDEN, FL 34787-4006
Document Number	0000398979
Instrument Date	Jul 21, 2020
Transaction Type	Mortgage
Record Updated	Aug 10, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	520 E CYPRESS ST WINTER GARDEN FL 347874006, WINTER GARDEN, FL 34787-4006

Mortgage

Document Number	0000398979
Date	Jul 28, 2020
Instrument	398979

Lender

Name	THE MTG FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 27, 2050

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE FL
Recording Date	May 19, 2020
Property Address	520 E CYPRESS ST, WINTER GARDEN, FL 34787-4006
Document Number	0000287934
Instrument Date	May 13, 2020
Instrument	287934
Transaction Type	Transfer
Record Updated	Jun 3, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	520 E CYPRESS ST WINTER GARDEN FL 347874006, WINTER GARDEN, FL 34787-4006

Tax Assessment & Valuation

The 2025 property tax bill for 520 E Cypress St was $2,387, up 7.5% from the year before.

Source: Orange County assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Orange County
Unified School District	Orange County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$168,377 (+2.7%)	$277,830 (-2.4%) Land $200,190 Building $77,640
2025	$2,387.00 (+7.47%) Homeowner's exemption	$163,950	$284,670 Land $200,190 Building $84,480
2024	$2,221.00 (+7.4%)
2023	$2,068.00 (+4.66%) Homeowner's exemption	$154,688 (+3%)	$237,850 (+22.42%) Land $160,152 Building $77,698
2022	$1,976.00 Homeowner's exemption	$150,183	$194,291 Land $120,114 Building $74,177

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

Flood

FEMA maps place 520 E Cypress St 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
Nearby Flood Policies	5 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 520 E Cypress St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 0.01% 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	WINTER GARDEN WATER DEPT (3 WPS) serves 72,205 people · EPA ID FL3481481
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	3 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	2 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 299 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: CenturyLink, Verizon.

Nearby Properties on E Cypress St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures