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

Orange County property record for 656 Setting Sun Dr, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,615 sqft · built 2006
Lot Size	0.356 acres (15,492 sqft)
Owner	Individual Name on Record
Last Sale	$380,000 (Dec 2020)
Tax Bill	$7,650 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage Nov 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`34-22-27-0733-00-840`

Property Details

APN / Parcel Number

Primary APN	`34-22-27-0733-00-840`
Alternative APNs	`272234073300840` `128260` `129045` `130426`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,615 sqft Living Area
Gross Area	3,353 sqft
1st Floor Area	2,615 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	15,492 sqft (0.356 acres)
Garage Type	Attached
Garage Area	438 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	300 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	656 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 84
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	84
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 May 4, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	904 LASCALA DR, WINDERMERE, FL 34786-6012
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2020	Warranty Deed, Transfer · Conventional with PMI VANDYK MTG
Nov 25, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 15, 2020 · Amount on Record
Deed Sale	Dec 15, 2020 · Amount on Record
Prior Sale	Nov 25, 2020 · Amount on Record
Deed Document Number	2020652871
Prior Transfer Date	Nov 24, 2020
Prior Transfer Doc	0000618294
Record Updated	Oct 29, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Dec 15, 2020
Property Address	656 SETTING SUN DR, WINTER GARDEN, FL 34787-5930
Document Number	0000652871
Instrument Date	Dec 10, 2020
Instrument	652871
Transaction Type	Transfer
Record Updated	Dec 29, 2020
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	$2,660.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	904 LASCALA DR WINDERMERE FL 347866012, WINDERMERE, FL 34786-6012

Mortgage

Document Number	652872
Date	Dec 15, 2020
Instrument	652872

Lender

Name	VANDYK MTG
Type	Mortgage Company
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 14, 2050

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE FL
Recording Date	Nov 25, 2020
Property Address	656 SETTING SUN DR, WINTER GARDEN, FL 34787-5930
Document Number	0000618294
Instrument Date	Nov 24, 2020
Instrument	618294
Transaction Type	Transfer
Record Updated	Dec 16, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$1,085.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	904 LASCALA DR WINDERMERE FL 347866012, WINDERMERE, FL 34786-6012

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		$486,286 (+1%)	$505,430 (-1.16%) Land $140,000 Building $365,430
2025	$7,650.00 (+9.5%)	$442,078 (+1.15%)	$511,350 (+17%) Land $140,000 Building $371,350
2024	$6,986.00 (+11.37%)
2023	$6,273.00 (+11.12%)	$437,052 (+13.5%) Land $112,500 Building $324,552	$437,052 (+13.5%) Land $112,500 Building $324,552
2022	$5,645.00	$385,066 Land $112,500 Building $272,566	$385,066 Land $112,500 Building $272,566

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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