546 Palio Ct, Ocoee, FL 34761 Property Records

Orange County property record for 546 Palio Ct, Ocoee, FL 34761

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,904 sqft · built 2005
Lot Size	0.233 acres (10,163 sqft)
Owner	2 Individual Names on File
Last Sale	$332,100 (Oct 2005)
Tax Bill	$3,725 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Jan 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-22-28-9247-02-000`

Property Details

APN / Parcel Number

Primary APN	`06-22-28-9247-02-000`
Alternative APNs	`282206924702000` `227517` `232359` `236927`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,904 sqft Living Area
Gross Area	3,911 sqft
1st Floor Area	1,682 sqft
Flooring	Carpet
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	10,163 sqft (0.233 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	203 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	546 PALIO CT
City	OCOEE
State	FL
Zip	34761-5032
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1AA
Legal Description	WESTYN BAY - PHASE 2 57/104 LOT 200
Legal Range	28E
Legal Township	22S
Legal Section	06
Legal Subdivision	WESTYN BAY PH 2
Legal Phase	2
Legal Tract	9247
Legal Block	2
Legal Lot Number	200
Jurisdiction	ORANGE FL
Township / Civil Division	APOPKA
Census Block Group	3
Census Block	3001
Census Tract	17506

Owner

546 Palio Ct is owned and occupied by two individuals who bought it in October 2005.

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

Owner of Record	2 Individual Names on File
Mailing Address	546 PALIO CT, OCOEE, FL 34761-5032
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
Aug 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage BETTER MTG
Jan 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage PARTNERS FCU
Sep 12, 2018	Loan Modification, Mortgage · Conventional Mortgage LOANPAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 13, 2005 · Amount on File
Deed Sale	Oct 13, 2005 · Amount on File
Deed Document Number	2005695132
Deed Book / Page	8247 / 2032
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	546 PALIO CT, OCOEE, FL 34761-5032
Document Number	0000457444
Instrument Date	Aug 8, 2020
Transaction Type	Mortgage
Record Updated	Sep 21, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	546 PALIO CT OCOEE FL 347615032, OCOEE, FL 34761-5032

Mortgage

Document Number	0000457444
Date	Aug 31, 2020
Instrument	457444

Lender

Name	BETTER MTG
Type	Mortgage Company
Address	NEW YORK, NY 10271

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 30, 2035

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	546 PALIO CT, OCOEE, FL 34761-5032
Document Number	0000072260
Instrument Date	Jan 29, 2019
Transaction Type	Mortgage
Record Updated	Feb 25, 2019
Title Company	ALOMA TITLE COMPANY, ALOMA TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	546 PALIO CT OCOEE FL 347615032, OCOEE, FL 34761-5032

Mortgage

Document Number	0000072260
Date	Feb 5, 2019
Instrument	72260

Lender

Name	PARTNERS FCU
Type	Credit Union
Address	ORLANDO, FL 32821

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 4, 2034

September 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ORANGE FL
Property Address	546 PALIO CT, OCOEE, FL 34761-5032
Document Number	0000691290
Instrument Date	Sep 12, 2018
Transaction Type	Mortgage
Record Updated	Dec 21, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	546 PALIO CT OCOEE FL 347615032, OCOEE, FL 34761-5032

Mortgage

Document Number	0000691290
Date	Nov 29, 2018
Instrument	691290

Lender

Name	LOANPAL
Address	LAKE ZURICH, IL 60047

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	156 Months
Due	Nov 28, 2031

Interest

Rate Type	Fixed Rate
Rate	3.5%

Tax Assessment & Valuation

The 2025 property tax bill for 546 Palio Ct was $3,725, up 9.1% 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		$225,522 (+2.7%)	$454,960 (-1.2%) Land $115,000 Building $339,960
2025	$3,725.00 (+9.11%) Homeowner's exemption	$219,593	$460,500 Land $115,000 Building $345,500
2024	$3,414.00 (+3.45%)
2023	$3,300.00 (+3.38%) Homeowner's exemption	$207,188 (+3%)	$414,710 (+17.91%) Land $115,000 Building $299,710
2022	$3,192.00 Homeowner's exemption	$201,153	$351,728 Land $100,000 Building $251,728

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

Flood

FEMA maps place 546 Palio Ct 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
Flood Insurance Cost	Premium on File 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

Wildfire risk around 546 Palio Ct 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 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within 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	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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