570 Karma Ave, Winter Garden, FL 34787 Property Records

Orange County property record for 570 Karma Ave, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,361 sqft · built 2000
Lot Size	0.129 acres (5,616 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,118 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Apr 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-22-27-1988-00-340`

Property Details

APN / Parcel Number

Primary APN	`26-22-27-1988-00-340`
Alternative APNs	`272226198800340` `121985` `122764` `124144`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,361 sqft Living Area
Gross Area	1,760 sqft
1st Floor Area	1,361 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,616 sqft (0.129 acres)
Garage Type	Attached
Garage Area	384 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	15 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	570 KARMA AVE
City	WINTER GARDEN
State	FL
Zip	34787-4374
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	DANIELS CROSSING PH 3 43/50 LOT 34
Legal Range	27E
Legal Township	22S
Legal Section	26
Legal Subdivision	DANIELS CROSSING PH 3
Legal Phase	3
Legal Tract	1988
Legal Lot Number	34
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	1
Census Block	1035
Census Tract	17402

Owner

570 Karma Ave is owned and occupied by two individuals who acquired it in April 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	570 KARMA AVE, WINTER GARDEN, FL 34787-4374
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
Jan 7, 2026	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Apr 28, 2022	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Dec 3, 2020	Loan Modification, Mortgage · FHA Mortgage PENNYMAC
Sep 16, 2019	Deed of Trust, Mortgage · VA Mortgage CROSSCOUNTRY MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 28, 2022
Deed Sale	Apr 28, 2022
Prior Sale	May 24, 2010 · Amount on File
Deed Document Number	2022274887
Prior Transfer Date	Apr 19, 2022
Prior Transfer Doc	0000274887
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	570 KARMA AVE, WINTER GARDEN, FL 34787-4374
Transaction Type	Mortgage
Record Updated	Jan 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	570 KARMA AVE, WINTER GARDEN, FL 34787-4374

Mortgage

Document Number	0000010248
Date	Jan 7, 2026
Instrument	20260010248

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2056

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	570 KARMA AVE, WINTER GARDEN, FL 34787-4374
Transaction Type	Mortgage
Record Updated	May 16, 2022
Title Company	CELEBRATION TITLE GROUP, CELEBRATION TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	570 KARMA AVE, WINTER GARDEN, FL 34787-4374

Mortgage

Document Number	0000274888
Date	Apr 28, 2022
Instrument	20220274888

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

December 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ORANGE FL
Property Address	570 KARMA AVE, WINTER GARDEN, FL 34787-4374
Document Number	0000677235
Instrument Date	Dec 3, 2020
Transaction Type	Mortgage
Record Updated	Jan 13, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	570 KARMA AVE WINTER GARDEN FL 347874374, WINTER GARDEN, FL 34787-4374

Mortgage

Document Number	0000677235
Date	Dec 29, 2020
Instrument	677235

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 28, 2050

Interest

Rate Type	Fixed Rate
Rate	3.12%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	570 KARMA AVE, WINTER GARDEN, FL 34787-4374
Document Number	0000628229
Instrument Date	Sep 16, 2019
Transaction Type	Mortgage
Record Updated	Jan 13, 2021
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	570 KARMA AVE WINTER GARDEN FL 347874374, WINTER GARDEN, FL 34787-4374

Mortgage

Document Number	0000628229
Date	Oct 8, 2019
Instrument	628229

Lender

Name	CROSSCOUNTRY MTG
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 7, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 570 Karma Ave was $2,118, up 5.6% 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		$180,283 (+2.7%)	$313,200 (-1.13%) Land $90,000 Building $223,200
2025	$2,118.00 (+5.64%) Homeowner's exemption	$175,543	$316,780 Land $90,000 Building $226,780
2024	$2,005.00 (-52.48%)
2023	$4,219.00 (+122.17%)	$265,240 (+66.96%) Land $90,000 Building $175,240	$265,240 (+13.86%) Land $90,000 Building $175,240
2022	$1,899.00 Homeowner's exemption	$158,861	$232,948 Land $100,000 Building $132,948

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

Flood

FEMA maps place 570 Karma Ave 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 14 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	14 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 570 Karma Ave 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 97% of the US · lower than 96% 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 243 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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