Orange County property record for 682 Canopy Estates Dr, Winter Garden, FL 34787
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 3,336 sqft · built 2018 |
| Lot Size | 0.19 acres (8,264 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,350,000 (Sep 2025) |
| Tax Bill | $17,052 (2025) |
| Deeds & Mortgages | Sep 2023 Mortgage Jan 2023 Line of Credit + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 35-22-27-1100-00-440 |
| Primary APN | 35-22-27-1100-00-440 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,336 sqft Living Area |
| Gross Area | 4,735 sqft |
| 1st Floor Area | 1,599 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,264 sqft (0.19 acres) |
| Garage Type | Attached |
| Garage Area | 687 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
|---|---|
| Porch | Finished/Open Porch |
| Porch Area | 326 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 682 CANOPY ESTATES DR |
|---|---|
| City | WINTER GARDEN |
| State | FL |
| Zip | 34787-5095 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1B |
| Legal Description | CANOPY OAKS PHASE 1 88/96 LOT 44 |
| Legal Range | 27E |
| Legal Township | 22S |
| Legal Section | 35 |
| Legal Subdivision | CANOPY OAKS PH 1 |
| Legal Phase | 1 |
| Legal Tract | 1100 |
| Legal Lot Number | 44 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 17118 |
682 Canopy Estates Dr is owned and occupied by two individuals who bought it in September 2025.
Source: Orange County records, as of June 26, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 682 CANOPY ESTATES DR, WINTER GARDEN, FL 34787-5095 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 11, 2023 | Deed of Trust, Mortgage · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Jan 9, 2023 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Sep 9, 2025 | Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK |
| Sep 8, 2022 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP |
| Dec 14, 2018 | Deed of Trust, Mortgage · Line of Credit PARTNERS FCU |
| Oct 24, 2018 | Grant Deed, Subdivision Related Transfer NETWORK CLOSING SERVICES INC |
| Oct 22, 2018 | Deed of Trust, Mortgage CROSSCOUNTRY MTG |
| Oct 24, 2018 | Grant Deed, Transfer NETWORK CLOSING SERVICES INC, NETWORK CLOSING SVCS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 9, 2025 · Amount on File |
| Deed Sale | Sep 9, 2025 · Amount on File |
| Prior Sale | Sep 11, 2023 · Amount on File |
| Deed Document Number | 2025522463 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 682 CANOPY ESTATES DR, WINTER GARDEN, FL 34787-5095 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 10859 SAGE CANYON DR, RIVERVIEW, FL 33578-9328 |
| Document Number | 0000518024 |
|---|---|
| Date | Sep 11, 2023 |
| Instrument | 20230518024 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | ISELIN, NJ 08830 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 682 CANOPY ESTATES DR, WINTER GARDEN, FL 34787-5095 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|---|
| Address | 682 CANOPY ESTATES DR, WINTER GARDEN, FL 34787-5095 |
| Document Number | 0000010996 |
|---|---|
| Date | Jan 9, 2023 |
| Instrument | 20230010996 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28277 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jan 30, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Sep 9, 2025 |
| Property Address | 682 CANOPY ESTATES DR, WINTER GARDEN, FL 34787-5095 |
| Document Number | 0000522463 |
| Map Reference | MB 88 PG 96-100 |
| Instrument Date | Sep 5, 2025 |
| Instrument | 20250522463 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | APEX TITLE SERVICES |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $9,450.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12001 INWOOD RD APT 2505, 2505, DALLAS, TX 75244-4009 |
| Name | Verified Name |
|---|---|
| Address | 682 CANOPY ESTATES DR, WINTER GARDEN, FL 34787-5095 |
| Document Number | 0000522464 |
|---|---|
| Date | Sep 9, 2025 |
| Instrument | 20250522464 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Sep 8, 2022 |
| Property Address | 682 CANOPY ESTATES DR, WINTER GARDEN, FL 34787-5095 |
| Document Number | 0000548896 |
| Map Reference | MB 88 PG 96-100 |
| Instrument Date | Sep 6, 2022 |
| Instrument | 20220548896 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2022 |
| Title Company | THE CLOSING BOUTIQUE LLC, THE CLOSING AGENT LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $8,400.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 640 ORANGE BELT LOOP, 640, WINTER GARDEN, FL 34787-3186 |
| Name | Verified Name |
|---|---|
| Address | 682 CANOPY ESTATES DR, WINTER GARDEN, FL 34787-5095 |
| Document Number | 0000548897 |
|---|---|
| Date | Sep 8, 2022 |
| Instrument | 20220548897 |
| Name | AMERICAN PACIFIC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 682 CANOPY ESTATES DR, WINTER GARDEN, FL 34787-5095 |
| Document Number | 0000002620 |
| Instrument Date | Dec 14, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2019 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 682 CANOPY ESTATES DR WINTER GARDEN FL 347875095, WINTER GARDEN, FL 34787-5095 |
| Document Number | 0000002620 |
|---|---|
| Date | Jan 2, 2019 |
| Instrument | 2620 |
| Name | PARTNERS FCU |
|---|---|
| Type | Credit Union |
| Address | ORLANDO, FL 32821 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jan 1, 2039 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Oct 24, 2018 |
| Property Address | 682 CANOPY ESTATES DR, WINTER GARDEN, FL 34787-5095 |
| Document Number | 0000625625 |
| Instrument Date | Oct 22, 2018 |
| Instrument | 625625 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Nov 5, 2018 |
| Title Company | NETWORK CLOSING SERVICES INC |
| Amount | Amount on Record |
|---|---|
| Tax | $5,031.60 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 682 CANOPY ESTATES DR WINTER GARDEN FL 347875095, WINTER GARDEN, FL 34787-5095 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 682 CANOPY ESTATES DR, WINTER GARDEN, FL 34787-5095 |
| Document Number | 0000625627 |
| Instrument Date | Oct 22, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 8, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 11755 WATERSTONE LOOP DR WINDERMERE FL 347865436, WINDERMERE, FL 34786-5436 |
| Document Number | 0000625627 |
|---|---|
| Date | Oct 24, 2018 |
| Instrument | 625627 |
| Name | CROSSCOUNTRY MTG |
|---|---|
| Type | Mortgage Company |
| Address | BRECKSVILLE, OH 44141 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Oct 23, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.62% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Oct 24, 2018 |
| Property Address | 682 CANOPY ESTATES DR, WINTER GARDEN, FL 34787-5095 |
| Document Number | 0000625622 |
| Instrument Date | Jul 16, 2018 |
| Instrument | 625622 |
| Transaction Type | Transfer |
| Record Updated | Nov 5, 2018 |
| Title Company | NETWORK CLOSING SERVICES INC, NETWORK CLOSING SVCS INC |
| Amount | Amount on Record |
|---|---|
| Tax | $655.90 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1950 E IRLO BRONSON MEMORIAL HWY KISSIMMEE FL 347445394, KISSIMMEE, FL 34744-5394 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 682 Canopy Estates Dr was $17,052, up 5.1% from the year before.
Source: Orange County assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Municipality | Winter Garden City |
| Unified School District | Orange County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,085,330 (-0.16%) Land $150,000 Building $935,330 | $1,085,330 (-1.34%) Land $150,000 Building $935,330 | |
| 2025 | $17,052.00 (+5.15%) Homeowner's exemption | $1,087,083 (+2.9%) | $1,100,050 (+4.13%) Land $150,000 Building $950,050 |
| 2024 | $16,217.00 (+6.04%) Homeowner's exemption | $1,056,446 (+9.9%) Land $150,000 Building $906,446 | $1,056,446 (+9.9%) Land $150,000 Building $906,446 |
| 2023 | $15,294.00 (+82.2%) | $961,317 (+69.98%) Land $150,000 Building $811,317 | $961,317 (+27.1%) Land $150,000 Building $811,317 |
| 2022 | $8,394.00 Homeowner's exemption | $565,550 | $756,373 Land $125,000 Building $631,373 |
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.
FEMA maps place 682 Canopy Estates 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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 36 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 36 in force |
| Nearby Flood Claims | 1 (2024) |
| Claims Outside the SFHA | 1 of 1 |
| 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 risk around 682 Canopy Estates Dr is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 109 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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