537 Setting Sun Dr, Winter Garden, FL 34787 Property Records

Orange County property record for 537 Setting Sun Dr, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,933 sqft · built 2005
Lot Size	0.218 acres (9,475 sqft)
Owner	2 Individual Names on File
Last Sale	$445,000 (Dec 2021)
Tax Bill	$6,771 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Dec 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`34-22-27-0733-02-050`

Property Details

APN / Parcel Number

Primary APN	`34-22-27-0733-02-050`
Alternative APNs	`272234073302050` `128358` `129141` `130524`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,933 sqft Living Area
Gross Area	2,513 sqft
1st Floor Area	1,933 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,475 sqft (0.218 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	160 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	537 SETTING SUN DR
City	WINTER GARDEN
State	FL
Zip	34787-5931
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	BLACK LAKE PARK PHASE 1 59/4 LOT 205
Legal Range	27E
Legal Township	22S
Legal Section	34
Legal Subdivision	BLACK LAKE PARK PH 1
Legal Phase	1
Legal Tract	733
Legal Block	2
Legal Lot Number	205
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	3
Census Block	3006
Census Tract	17116

Owner

537 Setting Sun Dr is owned and occupied by two individuals who bought it in December 2021.

Source: Orange County records, as of July 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	537 SETTING SUN DR, WINTER GARDEN, FL 34787-5931
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 14, 2026	Deed of Trust, Mortgage · Line of Credit CAPITAL LENDING
Dec 6, 2021	Warranty Deed, Transfer · Conventional Mortgage AMERICAN LIBERTY MORTGAGE INC
May 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2021 · Amount on File
Deed Sale	Dec 6, 2021 · Amount on File
Prior Sale	Sep 8, 2015 · Amount on File
Deed Document Number	2021740230
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Recording Date	Jul 14, 2026
Property Address	537 SETTING SUN DR, WINTER GARDEN, FL 34787-5931
Document Number	0000389317
Instrument Date	Jul 8, 2026
Instrument	2026389317
Transaction Type	Mortgage
Record Updated	Jul 24, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	537 SETTING SUN DR, WINTER GARDEN, FL 34787-5931

Mortgage

Document Number	0000389317,
Date	Jul 14, 2026
Instrument	2026389317

Lender

Name	CAPITAL LENDING

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Aug 3, 2046

Interest

Rate	6.52%
Max Rate	-1%

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Dec 6, 2021
Property Address	537 SETTING SUN DR, WINTER GARDEN, FL 34787-5931
Document Number	0000740230
Map Reference	MB 59 PG 4-8
Instrument Date	Dec 3, 2021
Instrument	20210740230
Transaction Type	Transfer
Record Updated	Dec 22, 2021
Title Company	TITLE ONE FLORIDA LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,115.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14785 MCCLANE RD, 14785, WINTER GARDEN, FL 34787-5202

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	537 SETTING SUN DR, OAKLAND, FL 34787-5931

Mortgage

Document Number	0000740231
Date	Dec 6, 2021
Instrument	20210740231

Lender

Name	AMERICAN LIBERTY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	537 SETTING SUN DR, WINTER GARDEN, FL 34787-5931
Document Number	0000288304
Instrument Date	May 14, 2020
Transaction Type	Mortgage
Record Updated	Jun 3, 2020
Title Company	TITLE ONE FLORIDA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	537 SETTING SUN DR WINTER GARDEN FL 347875931, WINTER GARDEN, FL 34787-5931

Mortgage

Document Number	0000288304
Date	May 19, 2020
Instrument	288304

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240-2050

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 18, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 537 Setting Sun Dr was $6,771, up 5.2% from the year before.

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

Property Jurisdictions

Type	Name
State	Florida
County	Orange County
Municipality	Winter Garden City
Unified School District	Orange County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$452,970 (-0.69%) Land $140,000 Building $312,970	$452,970 (-1.08%) Land $140,000 Building $312,970
2025	$6,771.00 (+5.22%) Homeowner's exemption	$456,105	$457,920 Land $140,000 Building $317,920
2024	$6,435.00 (+6.38%)
2023	$6,049.00 (+10.67%)	$385,713 (+12.69%) Land $112,500 Building $273,213	$385,713 (+12.69%) Land $112,500 Building $273,213
2022	$5,466.00	$342,293 Land $112,500 Building $229,793	$342,293 Land $112,500 Building $229,793

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

Flood

FEMA maps place 537 Setting Sun Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2017.

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 16 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	2 (2017–2024)
Most Recent Claim	Oct 2024 · Hurricane Milton

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 537 Setting Sun Dr is low, with 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 95% of the US · lower than 95% of Florida
Wildfire Likelihood	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 254 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink, T-Mobile.

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