Orange County property record for 650 Torgiano Dr, Ocoee, FL 34761
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 4 ba · 3,704 sqft · built 2011 |
| Lot Size | 0.248 acres (10,800 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $670,000 (Jan 2026) |
| Tax Bill | $6,742 (2025) |
| Deeds & Mortgages | Mar 2023 Second Mortgage Jan 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-21-28-9250-04-670 |
| Primary APN | 31-21-28-9250-04-670 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 3,704 sqft Living Area |
| Gross Area | 4,752 sqft |
| 1st Floor Area | 3,191 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2011 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,800 sqft (0.248 acres) |
| Garage Type | Attached |
| Garage Area | 550 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 408 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 650 TORGIANO DR |
|---|---|
| City | OCOEE |
| State | FL |
| Zip | 34761-5065 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1AA |
| Legal Description | WESTYN BAY PHASES 4 AND 5 71/80 LOT 467 |
| Legal Range | 28E |
| Legal Township | 21S |
| Legal Section | 31 |
| Legal Subdivision | WESTYN BAY PH 4 AND 5 |
| Legal Phase | S |
| Legal Tract | 9250 |
| Legal Block | 4 |
| Legal Lot Number | 467 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | APOPKA |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 17506 |
Source: Orange County records · APN 31-21-28-9250-04-670
Assessment roll updated April 30, 2026 · Last verified May 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 File |
|---|---|
| Mailing Address | 650 TORGIANO DR, OCOEE, FL 34761-5065 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Mar 27, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Jan 05, 2026 | Warranty Deed, Transfer · Conventional Mortgage REACH HOME LOANS LLC |
| Jul 19, 2017 | Deed of Trust, Mortgage · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC |
| Oct 23, 2019 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 05, 2026 · Amount on Record |
| Deed Sale | Jan 05, 2026 · Amount on Record |
| Prior Sale | May 20, 2011 · Amount on Record |
| Deed Document Number | 20263773 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 650 TORGIANO DR, OCOEE, FL 34761-5065 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|---|
| Address | 650 TORGIANO DR, OCOEE, FL 34761-5065 |
| Document Number | 0000168327 |
|---|---|
| Date | Mar 27, 2023 |
| Instrument | 20230168327 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | GREENWOOD, DE 19950 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 27, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Jan 05, 2026 |
| Property Address | 650 TORGIANO DR, OCOEE, FL 34761-5065 |
| Document Number | 0000003773 |
| Map Reference | MB 71 PG 80-84 |
| Instrument Date | Dec 30, 2025 |
| Instrument | 20260003773 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Title Company | WATSON TITLE SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,690.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 15313 HAYWORTH DR, WINTER GARDEN, FL 34787-5549 |
| Name | Verified Name |
|---|---|
| Address | 650 TORGIANO DR, OCOEE, FL 34761-5065 |
| Document Number | 0000003774 |
|---|---|
| Date | Jan 05, 2026 |
| Instrument | 20260003774 |
| Name | REACH HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 650 TORGIANO DR, OCOEE, FL 34761-5065 |
| Transaction Type | Mortgage |
| Record Updated | Aug 01, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000401070 |
|---|---|
| Date | Jul 19, 2017 |
| Instrument | 20170401070 |
| Name | WYNDHAM CAPITAL MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28210 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 650 TORGIANO DR, OCOEE, FL 34761-5065 |
| Transaction Type | Mortgage |
| Record Updated | Aug 01, 2022 |
| Title Company | CALIFORNIA TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000663079 |
|---|---|
| Date | Oct 23, 2019 |
| Instrument | 20190663079 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | NEW CASTLE, DE 19720 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Sep 24, 2039 |
Source: Orange County records · Assessment roll updated April 30, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Municipality | Ocoee City |
| Unified School District | Orange County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $584,390 (+46.28%) Land $115,000 Building $469,390 | $584,390 (-1.33%) Land $115,000 Building $469,390 | |
| 2025 | $6,742.00 (+6.76%) Homeowner's exemption | $399,510 (+2.9%) | $592,260 (+3.76%) Land $115,000 Building $477,260 |
| 2024 | $6,315.00 (+3.34%) Homeowner's exemption | $388,251 (+3%) | $570,823 (+5.91%) Land $115,000 Building $455,823 |
| 2023 | $6,111.00 (+3.02%) Homeowner's exemption | $376,943 (+3%) | $538,962 (+16.92%) Land $115,000 Building $423,962 |
| 2022 | $5,932.00 Homeowner's exemption | $365,964 | $460,971 Land $100,000 Building $360,971 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 13 policies |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 13 in force |
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber | 2,000 / 1,000 |
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Hotwire Communications.
Based on FCC filings for 385 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | OCUD/SOUTHERN WATER SYS (5 WPS) serves 80,738 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2024 |
| Lead | 2 ppb (2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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