655 Grassy Stone Dr, Winter Garden, FL 34787 Property Records

Orange County property record for 655 Grassy Stone Dr, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,616 sqft · built 2014
Lot Size	0.339 acres (14,752 sqft)
Owner	2 Individual Names on File
Last Sale	$320,800 (Dec 2014)
Tax Bill	$4,655 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-22-27-1786-00-650`

Property Details

APN / Parcel Number

Primary APN	`14-22-27-1786-00-650`
Alternative APNs	`272214178600650` `113190` `113840` `115127`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,616 sqft Living Area
Gross Area	3,462 sqft
1st Floor Area	2,616 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,752 sqft (0.339 acres)
Garage Type	Attached
Garage Area	622 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	224 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	655 GRASSY STONE DR
City	WINTER GARDEN
State	FL
Zip	34787-2421
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	COVINGTON CHASE PHASE 2C 80/9 LOT 65
Legal Range	27E
Legal Township	22S
Legal Section	14
Legal Subdivision	COVINGTON CHASE PH 2C
Legal Phase	2C
Legal Tract	1786
Legal Lot Number	65
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	4
Census Block	4019
Census Tract	17401

Owner

655 Grassy Stone Dr is owned and occupied by two individuals who bought it in December 2014.

Source: Orange County records, as of May 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	655 GRASSY STONE DR, WINTER GARDEN, FL 34787-2421
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Nov 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2014 · Amount on File
Deed Sale	Dec 23, 2014 · Amount on File
Prior Sale	Sep 10, 2014 · Amount on File
Deed Document Number	2014646860
Deed Book / Page	10852 / 6311
Record Updated	Jun 8, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	655 GRASSY STONE DR, WINTER GARDEN, FL 34787-2421
Transaction Type	Mortgage
Record Updated	Jan 18, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 GRASSY STONE DR, WINTER GARDEN, FL 34787-2421

Mortgage

Document Number	0000731689
Date	Dec 21, 2023
Instrument	20230731689

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 13, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	655 GRASSY STONE DR, WINTER GARDEN, FL 34787-2421
Document Number	0000629237
Instrument Date	Nov 25, 2020
Transaction Type	Mortgage
Record Updated	Dec 17, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	655 GRASSY STONE DR WINTER GARDEN FL 347872421, WINTER GARDEN, FL 34787-2421

Mortgage

Document Number	0000629237
Date	Dec 2, 2020
Instrument	629237

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Dec 1, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 655 Grassy Stone Dr was $4,655, up 5.3% from the year before.

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		$335,056 (+2.7%)	$543,670 (-1.16%) Land $125,000 Building $418,670
2025	$4,655.00 (+5.29%) Homeowner's exemption	$326,247	$550,030 Land $125,000 Building $425,030
2024	$4,421.00 (+3.73%)
2023	$4,262.00 (+3.07%) Homeowner's exemption	$307,817 (+3%)	$499,215 (+20.55%) Land $125,000 Building $374,215
2022	$4,135.00 Homeowner's exemption	$298,851	$414,124 Land $100,000 Building $314,124

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 655 Grassy Stone Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 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

Wildfire risk around 655 Grassy Stone Dr is low, with a 0.01% annual chance of 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	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 285 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fiber · Fixed Wireless	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

Nearby Properties on Grassy Stone Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures