639 Safeharbour Dr, Ocoee, FL 34761 Property Records

Orange County property record for 639 Safeharbour Dr, Ocoee, FL 34761

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,422 sqft · built 1992
Lot Size	0.232 acres (10,097 sqft)
Owner	2 Individual Names on Record
Last Sale	$270,900 (Dec 2019)
Tax Bill	$5,974 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Dec 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-22-28-3587-00-420`

Property Details

APN / Parcel Number

Primary APN	`20-22-28-3587-00-420`
Alternative APNs	`282220358700420` `244252` `249098` `253667`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,422 sqft Living Area
Gross Area	1,788 sqft
1st Floor Area	1,422 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2005
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,097 sqft (0.232 acres)
Garage Type	Attached
Garage Area	342 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	24 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	639 SAFEHARBOUR DR
City	OCOEE
State	FL
Zip	34761-3135
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1AA
Legal Description	HIGHLANDS OF OCOEE 29/84 LOT 42
Legal Range	28E
Legal Township	22S
Legal Section	20
Legal Subdivision	HIGHLANDS OF OCOEE
Legal Tract	3587
Legal Lot Number	42
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	3
Census Block	3003
Census Tract	14906

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	639 SAFEHARBOUR DR, OCOEE, FL 34761-3135
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Dec 9, 2019	Warranty Deed, Transfer · FHA Mortgage BANK OF ENGLAND
Jun 17, 2019	Warranty Deed, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 9, 2019 · Amount on Record
Deed Sale	Dec 9, 2019 · Amount on Record
Prior Sale	Jun 17, 2019 · Amount on Record
Deed Document Number	2019770046
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	639 SAFEHARBOUR DR, OCOEE, FL 34761-3135
Transaction Type	Mortgage
Record Updated	Oct 28, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	639 SAFEHARBOUR DR, OCOEE, FL 34761-3135

Mortgage

Document Number	20210624155
Date	Oct 12, 2021
Instrument	20210624155

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	338 Months
Due	Dec 1, 2049

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Dec 9, 2019
Property Address	639 SAFEHARBOUR DR, OCOEE, FL 34761-3135
Document Number	0000770046
Instrument Date	Nov 22, 2019
Instrument	770046
Transaction Type	Transfer
Record Updated	Jan 2, 2020
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,896.30
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	639 SAFEHARBOUR DR OCOEE FL 347613135, OCOEE, FL 34761-3135

Mortgage

Document Number	770047
Date	Dec 9, 2019
Instrument	770047

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 8, 2049

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jun 17, 2019
Property Address	639 SAFEHARBOUR DR, OCOEE, FL 34761-3135
Document Number	0000368920
Instrument Date	Jun 13, 2019
Instrument	368920
Transaction Type	Transfer
Record Updated	Jul 3, 2019
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Tax	$1,750.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	180 N STETSON AVE #3650 CHICAGO IL 606016709, 3650, CHICAGO, IL 60601-6709
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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		$320,400 (-1.41%) Land $85,000 Building $235,400	$320,400 (-1.41%) Land $85,000 Building $235,400
2025	$5,974.00 (+8.52%)	$324,980 (+8.74%) Land $85,000 Building $239,980	$324,980 (+8.74%) Land $85,000 Building $239,980
2024	$5,505.00 (+7.56%)
2023	$5,118.00 (+11.14%)	$298,854 (+15.91%) Land $85,000 Building $213,854	$298,854 (+15.91%) Land $85,000 Building $213,854
2022	$4,605.00	$257,835 Land $75,000 Building $182,835	$257,835 Land $75,000 Building $182,835

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

Flood

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 11 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	11 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

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	0.02% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	OCOEE, CITY OF (2 WPS) serves 34,000 people · EPA ID FL3480204
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	Under 1 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	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 315 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

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