656 Orange Belt Loop, Winter Garden, FL 34787 Property Records

Orange County property record for 656 Orange Belt Loop, Winter Garden, FL 34787

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 1,715 sqft · built 2018
Lot Size	0.49 acres (2,124 sqft)
Owner	2 Individual Names on Record
Last Sale	$520,000 (Oct 2023)
Tax Bill	$6,954 (2025)
Deeds & Mortgages	Sep 2025 Transfer Oct 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`14-22-27-3445-00-330`

Property Details

APN / Parcel Number

Primary APN	`14-22-27-3445-00-330`
Alternative APNs	`272214344500330` `113513` `114162` `115448`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,715 sqft Living Area
Gross Area	2,492 sqft
1st Floor Area	952 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Townhouse
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	2,124 sqft (0.49 acres)
Garage Type	Detached
Garage Area	440 sqft
Porch	Finished/Open Porch
Porch Area	146 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	656 ORANGE BELT LOOP
City	WINTER GARDEN
State	FL
Zip	34787-3186
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PUD
Legal Description	HERITAGE AT PLANT STREET 95/149 LOT 33
Legal Range	27E
Legal Township	22S
Legal Section	14
Legal Subdivision	HERITAGE AT PLANT ST
Legal Lot Number	33
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	1
Census Block	1033
Census Tract	17401

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	656 ORANGE BELT LOOP, WINTER GARDEN, FL 34787-3186
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2025	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Oct 19, 2023	Warranty Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC
Aug 29, 2023	Deed of Trust, Mortgage · Line of Credit TAMPA BAY FCU
Dec 3, 2020	Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MTG
Jan 2, 2019	Grant Deed, Subdivision Related Transfer · Conventional Mortgage M&I FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 19, 2023 · Amount on Record
Deed Sale	Oct 19, 2023 · Amount on Record
Prior Sale	Dec 3, 2020 · Amount on Record
Deed Document Number	2023606986
Last Transfer Date	Sep 15, 2025
Transfer Doc	0000540157
Record Updated	Jun 8, 2026

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE FL
Recording Date	Sep 17, 2025
Property Address	656 ORANGE BELT LOOP, WINTER GARDEN, FL 34787-3186
Document Number	0000540157
Map Reference	MB 95 PG 149
Instrument Date	Sep 15, 2025
Instrument	20250540157
Transaction Type	Transfer
Record Updated	Sep 29, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	656 ORANGE BELT LOOP, WINTER GARDEN, FL 34787-3186

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	656 ORANGE BELT LOOP, WINTER GARDEN, FL 34787-3186

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Oct 19, 2023
Property Address	656 ORANGE BELT LOOP, WINTER GARDEN, FL 34787-3186
Document Number	0000606986
Map Reference	MB 95 PG 149
Instrument Date	Oct 3, 2023
Instrument	20230606986
Transaction Type	Transfer
Record Updated	Nov 2, 2023
Title Company	LANDTRUST TITLE/ CTRL FLORIDA LLC, LANDTRUST TTL OF CTRL FL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,640.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	641 LAKE COVE POINTE CIR, WINTER GARDEN, FL 34787-2683

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	656 ORANGE BELT LOOP, WINTER GARDEN, FL 34787-3186

Mortgage

Document Number	0000606987
Date	Oct 19, 2023
Instrument	20230606987

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	656 ORANGE BELT LOOP, WINTER GARDEN, FL 34787-3186
Transaction Type	Mortgage
Record Updated	Sep 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	656 ORANGE BELT LOOP, WINTER GARDEN, FL 34787-3186

Mortgage

Document Number	0000493311
Date	Aug 29, 2023
Instrument	20230493311

Lender

Name	TAMPA BAY FCU
Type	Credit Union
Address	TAMPA, FL 33603

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Dec 3, 2020
Property Address	656 ORANGE BELT LOOP, WINTER GARDEN, FL 34787-3186
Document Number	0000631463
Instrument Date	Nov 10, 2020
Instrument	631463
Transaction Type	Transfer
Record Updated	Dec 17, 2020
Title Company	SUNBELT TITLE (AGENCY)

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,503.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	656 ORANGE BELT LOOP WINTER GARDEN FL 347873186, WINTER GARDEN, FL 34787-3186

Mortgage

Document Number	631464
Date	Dec 3, 2020
Instrument	631464

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 2, 2050

January 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE FL
Recording Date	Jan 2, 2019
Property Address	656 ORANGE BELT LOOP, WINTER GARDEN, FL 34787-3186
Document Number	0000000555
Instrument Date	Dec 21, 2018
Instrument	555
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 29, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,283.40
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	656 ORANGE BELT LOOP WINTER GARDEN FL 347873186, WINTER GARDEN, FL 34787-3186

Mortgage

Document Number	556
Date	Jan 2, 2019
Instrument	556

Lender

Name	M&I FIN'L
Type	Funding / Finance Company
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2049

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		$461,950 (-1.15%) Land $95,000 Building $366,950	$461,950 (-1.15%) Land $95,000 Building $366,950
2025	$6,954.00 (+1.99%) Homeowner's exemption	$467,320 (+0.01%) Land $95,000 Building $372,320	$467,320 (+0.01%) Land $95,000 Building $372,320
2024	$6,818.00 (+60.24%) Homeowner's exemption	$467,273 (+52.02%) Land $95,000 Building $372,273	$467,273 (+6.37%) Land $95,000 Building $372,273
2023	$4,255.00 (+3.08%) Homeowner's exemption	$307,384 (+3%)	$439,284 (+14.27%) Land $95,000 Building $344,284
2022	$4,128.00 Homeowner's exemption	$298,431	$384,432 Land $95,000 Building $289,432

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 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	2 (2024)
Claims Outside the SFHA	2 of 2
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 80% of the US · lower than 93% 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 236 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, CenturyLink, Hotwire Communications, Verizon.

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