652 Dharma Cir, Winter Garden, FL 34787 Property Records

Orange County property record for 652 Dharma Cir, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,396 sqft · built 2000
Lot Size	0.158 acres (6,875 sqft)
Owner	Individual Name on File
Last Sale	$380,000 (Dec 2024)
Tax Bill	$5,450 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-22-27-1988-00-040`

Property Details

APN / Parcel Number

Primary APN	`26-22-27-1988-00-040`
Alternative APNs	`272226198800040` `121947` `122728` `124108`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,396 sqft Living Area
Gross Area	1,850 sqft
1st Floor Area	1,396 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Concrete Block/Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,875 sqft (0.158 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	54 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	652 DHARMA CIR
City	WINTER GARDEN
State	FL
Zip	34787-4369
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	DANIELS CROSSING PH 3 43/50 LOT 4
Legal Range	27E
Legal Township	22S
Legal Section	26
Legal Subdivision	DANIELS CROSSING PH 3
Legal Phase	3
Legal Tract	1988
Legal Lot Number	4
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	1
Census Block	1020
Census Tract	17402

Owner

Source: Orange County records, as of October 19, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	652 DHARMA CIR, WINTER GARDEN, FL 34787-4369
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2021	Deed of Trust, Mortgage · Commercial Mortgage VAL CHRIS INVESTMENTS INC
Dec 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage OTHER INSTITUTIONAL LENDERS
Dec 21, 2018	Loan Modification, Mortgage · Conventional Mortgage LPP MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 11, 2024 · Amount on File
Deed Sale	Dec 11, 2024 · Amount on File
Prior Sale	Mar 26, 2008 · Amount on File
Deed Document Number	2024704666
Prior Transfer Date	Feb 18, 2008
Prior Transfer Doc	0000180052
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	652 DHARMA CIR, WINTER GARDEN, FL 34787-4369
Transaction Type	Mortgage
Record Updated	Oct 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	652 DHARMA CIR, WINTER GARDEN, FL 34787-4369

Mortgage

Document Number	20210612691
Date	Oct 7, 2021
Instrument	20210612691

Lender

Name	VAL CHRIS INVESTMENTS INC
Type	Non-Lending Institution
Address	IRVINE, CA 92614

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	36 Months
Due	Oct 4, 2024

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	652 DHARMA CIR, WINTER GARDEN, FL 34787-4369
Document Number	0000801902
Instrument Date	Dec 16, 2019
Transaction Type	Mortgage
Record Updated	Jan 23, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	652 DHARMA CIR WINTER GARDEN FL 347874369, WINTER GARDEN, FL 34787-4369

Mortgage

Document Number	0000801902
Date	Dec 26, 2019
Instrument	801902

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Bank
Address	ABILENE, TX 79606

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	13%

December 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ORANGE FL
Property Address	652 DHARMA CIR, WINTER GARDEN, FL 34787-4369
Document Number	0000126986
Instrument Date	Dec 21, 2018
Transaction Type	Mortgage
Record Updated	Mar 20, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	652 DHAMA CIR WINTER GARDEN FL 34787, WINTER GARDEN, FL 34787

Mortgage

Document Number	0000126986
Date	Mar 1, 2019
Instrument	126986

Lender

Name	LPP MTG
Type	Mortgage Company
Address	PLANO, TX 75023

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	36 Months
Due	Feb 28, 2022

Interest

Rate Type	Fixed 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		$330,610 (-1.16%) Land $100,000 Building $230,610	$330,610 (-1.16%) Land $100,000 Building $230,610
2025	$5,450.00 (+406.98%) Homeowner's exemption	$334,490 (+221.17%) Land $100,000 Building $234,490	$334,490 (+16.28%) Land $100,000 Building $234,490
2024	$1,075.00 (+5.29%)
2023	$1,021.00 (+4.5%) Homeowner's exemption	$104,146 (+3%)	$287,665 (+18.24%) Land $100,000 Building $187,665
2022	$977.00 Homeowner's exemption	$101,113	$243,287 Land $100,000 Building $143,287

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 14 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	14 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 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% 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 243 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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