645 Brandy Oaks Loop, Winter Garden, FL 34787 Property Records

Orange County property record for 645 Brandy Oaks Loop, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,238 sqft · built 2008
Lot Size	0.16 acres (6,976 sqft)
Owner	2 Individual Names on Record
Last Sale	$310,000 (Dec 2018)
Tax Bill	$4,265 (2025)
Deeds & Mortgages	May 2020 Mortgage Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-22-27-6124-01-400`

Property Details

APN / Parcel Number

Primary APN	`22-22-27-6124-01-400`
Alternative APNs	`272222612401400` `118197` `118980` `120362`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,238 sqft Living Area
Gross Area	2,947 sqft
1st Floor Area	1,813 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,976 sqft (0.16 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	214 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	645 BRANDY OAKS LOOP
City	WINTER GARDEN
State	FL
Zip	34787-2443
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	OAKS AT BRANDY LAKE 68/51 LOT 140
Legal Range	27E
Legal Township	22S
Legal Section	22
Legal Subdivision	OAKS AT BRANDY LAKE
Legal Tract	6124
Legal Block	1
Legal Lot Number	140
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	2
Census Block	2039
Census Tract	17302

Owner

Source: Orange County records, 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 Individual Names on Record
Mailing Address	645 BRANDY OAKS LOOP, WINTER GARDEN, FL 34787-2443
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage JP MORGAN CHASE BK
Dec 19, 2018	Warranty Deed, Transfer · Conventional Mortgage MIDFLORIDA CU ISAOA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 19, 2018 · Amount on Record
Deed Sale	Dec 19, 2018 · Amount on Record
Prior Sale	Nov 21, 2013 · Amount on Record
Deed Document Number	2018733350
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	645 BRANDY OAKS LOOP, WINTER GARDEN, FL 34787-2443
Document Number	0000277971
Instrument Date	May 7, 2020
Transaction Type	Mortgage
Record Updated	May 27, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	645 BRANDY OAKS LOOP WINTER GARDEN FL 347872443, WINTER GARDEN, FL 34787-2443

Mortgage

Document Number	0000277971
Date	May 12, 2020
Instrument	277971

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240-2050

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 11, 2040

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Dec 19, 2018
Property Address	645 BRANDY OAKS LOOP, WINTER GARDEN, FL 34787-2443
Document Number	0000733350
Instrument Date	Nov 26, 2018
Instrument	733350
Transaction Type	Transfer
Record Updated	Sep 10, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,170.00
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	645 BRANDY OAKS LOOP WINTER GARDEN FL 347872443, WINTER GARDEN, FL 34787-2443

Mortgage

Document Number	733351
Date	Dec 19, 2018
Instrument	733351

Lender

Name	MIDFLORIDA CU ISAOA
Type	Credit Union
Address	LAKELAND, FL 33802-8008

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 18, 2048

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		$310,505 (+2.7%)	$460,520 (-1.14%) Land $125,000 Building $335,520
2025	$4,265.00 (+5.28%) Homeowner's exemption	$302,342 (+5.99%)	$465,810 (+9.47%) Land $125,000 Building $340,810
2024	$4,051.00 (+3.79%)
2023	$3,903.00 (+3.12%) Homeowner's exemption	$285,263 (+3%)	$425,512 (+32.6%) Land $125,000 Building $300,512
2022	$3,785.00 Homeowner's exemption	$276,954	$320,887 Land $90,000 Building $230,887

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
Nearby Flood Policies	9 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 67% of the US · lower than 92% 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 331 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Metronet, Verizon.

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