Orange County property record for 609 Setting Sun Dr, Winter Garden, FL 34787
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2.5 ba · 3,489 sqft · built 2006 |
| Lot Size | 0.23 acres (10,001 sqft) |
| Owner | 2 Individuals on Record |
| Last Sale | $455,000 (Aug 2006) |
| Tax Bill | $3,613 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Oct 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 34-22-27-0733-01-040 |
| Primary APN | 34-22-27-0733-01-040 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,489 sqft Living Area |
| Gross Area | 4,714 sqft |
| 1st Floor Area | 1,949 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,001 sqft (0.23 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 512 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 609 SETTING SUN DR |
|---|---|
| City | WINTER GARDEN |
| State | FL |
| Zip | 34787-5928 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | BLACK LAKE PARK PHASE 1 59/4 LOT 104 |
| Legal Range | 27E |
| Legal Township | 22S |
| Legal Section | 34 |
| Legal Subdivision | BLACK LAKE PARK PH 1 |
| Legal Phase | 1 |
| Legal Tract | 733 |
| Legal Block | 1 |
| Legal Lot Number | 104 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 3 |
| Census Block | 3031 |
| Census Tract | 17116 |
Source: Orange County assessment roll, as of April 30, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individuals on Record |
|---|---|
| Mailing Address | 609 SETTING SUN DR, WINTER GARDEN, FL 34787-5928 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 31, 2026 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK |
| Oct 7, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 4, 2006 · Amount on Record |
| Deed Sale | Aug 4, 2006 · Amount on Record |
| Deed Document Number | 2006508923 |
| Deed Book / Page | 8787 / 478 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Jul 31, 2026 |
| Property Address | 609 SETTING SUN DR, WINTER GARDEN, FL 34787-5928 |
| Document Number | 0000427259 |
| Instrument Date | Jul 9, 2026 |
| Instrument | 2026427259 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2026 |
| Title Company | SIMPLE TITLE, SIMPLIFILE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 609 SETTING SUN DR, WINTER GARDEN, FL 34787-5928 |
| Document Number | 0000427259, |
|---|---|
| Date | Jul 31, 2026 |
| Instrument | 2026427259 |
| Name | FIFTH THIRD BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 25, 2056 |
| Rate | 6.52% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 609 SETTING SUN DR, WINTER GARDEN, FL 34787-5928 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 609 SETTING SUN DR, WINTER GARDEN, FL 34787-5928 |
| Document Number | 20210611284 |
|---|---|
| Date | Oct 7, 2021 |
| Instrument | 20210611284 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45227 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 1, 2036 |
Source: Orange County assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Municipality | Winter Garden City |
| Unified School District | Orange County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $269,394 (+2.7%) | $608,610 (-1.23%) Land $140,000 Building $468,610 | |
| 2025 | $3,613.00 (+5.34%) Homeowner's exemption | $262,312 (+5.99%) | $616,190 (+15.84%) Land $140,000 Building $476,190 |
| 2024 | $3,430.00 (+3.88%) | ||
| 2023 | $3,302.00 (+3.19%) Homeowner's exemption | $247,494 (+3%) | $531,940 (+14.45%) Land $112,500 Building $419,440 |
| 2022 | $3,200.00 Homeowner's exemption | $240,285 | $464,794 Land $112,500 Building $352,294 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 97.6% 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.
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 |
| 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.
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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