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

Orange County property record for 644 Setting Sun Dr, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 3,357 sqft · built 2006
Lot Size	0.215 acres (9,376 sqft)
Owner	Individual Name on Record
Last Sale	$224,900 (Nov 2009)
Tax Bill	$3,485 (2025)
Deeds & Mortgages	Dec 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`34-22-27-0733-00-820`

Property Details

APN / Parcel Number

Primary APN	`34-22-27-0733-00-820`
Alternative APNs	`272234073300820` `128257` `129043` `130423`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,357 sqft Living Area
Gross Area	4,168 sqft
1st Floor Area	2,051 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,376 sqft (0.215 acres)
Garage Type	Attached
Garage Area	456 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	125 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	644 SETTING SUN DR
City	WINTER GARDEN
State	FL
Zip	34787-5930
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	BLACK LAKE PARK PHASE 1 59/4 LOT 82
Legal Range	27E
Legal Township	22S
Legal Section	34
Legal Subdivision	BLACK LAKE PARK PH 1
Legal Phase	1
Legal Tract	733
Legal Lot Number	82
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	3
Census Block	3013
Census Tract	17116

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	Individual Name on Record
Mailing Address	644 SETTING SUN DR, WINTER GARDEN, FL 34787-5930
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 18, 2009 · Amount on Record
Deed Sale	Nov 18, 2009 · Amount on Record
Prior Sale	Jun 17, 2009
Deed Document Number	2009679502
Deed Book / Page	9964 / 3782
Record Updated	Jun 8, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	644 SETTING SUN DR, WINTER GARDEN, FL 34787-5930
Document Number	0000676558
Instrument Date	Dec 5, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	MORTGAGE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	644 SETTING SUN DR WINTER GARDEN FL 347875930, WINTER GARDEN, FL 34787-5930

Mortgage

Document Number	0000676558
Date	Dec 12, 2017
Instrument	676558

Lender

Name	FAIRWINDS CU
Address	ORLANDO, FL 32826

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 11, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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		$261,344 (+2.7%)	$589,060 (-1.18%) Land $140,000 Building $449,060
2025	$3,485.00 (+5.32%) Homeowner's exemption	$254,473 (+5.99%)	$596,120 (+16.76%) Land $140,000 Building $456,120
2024	$3,309.00 (+3.93%)
2023	$3,184.00 (+3.21%) Homeowner's exemption	$240,098 (+3%)	$510,568 (+13.98%) Land $112,500 Building $398,068
2022	$3,085.00 Homeowner's exemption	$233,105	$447,954 Land $112,500 Building $335,454

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 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

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.

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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