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

Orange County property record for 650 Setting Sun Dr, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,332 sqft · built 2006
Lot Size	0.215 acres (9,376 sqft)
Owner	2 Individual Names on Record
Last Sale	$720,000 (Jun 2026)
Tax Bill	$9,066 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`34-22-27-0733-00-830`

Property Details

APN / Parcel Number

Primary APN	`34-22-27-0733-00-830`
Alternative APNs	`272234073300830` `128258` `129044` `130425`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,332 sqft Living Area
Gross Area	4,972 sqft
1st Floor Area	1,782 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2009
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	450 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	917 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	650 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 83
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	83
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 June 17, 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	650 SETTING SUN DR, WINTER GARDEN, FL 34787-5930
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2026	Warranty Deed, Transfer · Conventional Mortgage GMFS
Oct 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 27, 2022	Warranty Deed, Transfer · Conventional Mortgage I3 LENDING INC
Dec 17, 2020	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2026 · Amount on Record
Deed Sale	Jun 9, 2026 · Amount on Record
Prior Sale	Jan 27, 2022 · Amount on Record
Deed Document Number	2026319945
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jun 9, 2026
Property Address	650 SETTING SUN DR, WINTER GARDEN, FL 34787-5930
Document Number	0000319945
Instrument Date	Jun 5, 2026
Instrument	2026319945
Transaction Type	Transfer
Record Updated	Jun 17, 2026
Title Company	HOMETOWN TITLE GROUP INC, HOMETOWN TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$509,040.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 SETTING SUN DR, WINTER GARDEN, FL 34787-5930
Investor	Possibly a Property Investor

Mortgage

Document Number	0000319948,
Date	Jun 9, 2026
Instrument	2026319948

Lender

Name	GMFS

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	650 SETTING SUN DR, WINTER GARDEN, FL 34787-5930
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 SETTING SUN DR, WINTER GARDEN, FL 34787-5930

Mortgage

Document Number	0000611887
Date	Oct 7, 2021
Instrument	20210611887

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jan 27, 2022
Property Address	650 SETTING SUN DR, WINTER GARDEN, FL 34787-5930
Document Number	0000063915
Map Reference	MB 59 PG 4-8
Instrument Date	Jan 26, 2022
Instrument	20220063915
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,237.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9332 XYLON CIR S, 9332, BLOOMINGTON, MN 55438-1443

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 SETTING SUN DR, WINTER GARDEN, FL 34787-5930

Mortgage

Document Number	0000063916
Date	Jan 27, 2022
Instrument	20220063916

Lender

Name	I3 LENDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Dec 17, 2020
Property Address	650 SETTING SUN DR, WINTER GARDEN, FL 34787-5930
Document Number	0000662776
Instrument Date	Dec 15, 2020
Instrument	662776
Transaction Type	Transfer
Record Updated	Dec 31, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,115.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	650 SETTING SUN DR WINTER GARDEN FL 347875930, WINTER GARDEN, FL 34787-5930

Mortgage

Document Number	662777
Date	Dec 17, 2020
Instrument	662777

Lender

Name	GUARANTEED RATE AFFINITY LLC
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 16, 2050

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		$613,092 (+2.7%)	$643,940 (-1.22%) Land $140,000 Building $503,940
2025	$9,066.00 (+5.2%) Homeowner's exemption	$596,974 (+5.99%)	$651,890 (+15.74%) Land $140,000 Building $511,890
2024	$8,618.00 (+3.51%)
2023	$8,326.00 (+45.43%) Homeowner's exemption	$563,252 (+41.37%) Land $112,500 Building $450,752	$563,252 (+14.71%) Land $112,500 Building $450,752
2022	$5,725.00 Homeowner's exemption	$398,427	$491,009 Land $112,500 Building $378,509

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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