686 Bethune Ave, Winter Garden, FL 34787 Property Records

Orange County property record for 686 Bethune Ave, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,084 sqft · built 1996
Lot Size	0.126 acres (5,500 sqft)
Owner	Individual Name on Record
Last Sale	$315,000 (Jul 2024)
Tax Bill	$3,190 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-22-27-2275-00-290`

Property Details

APN / Parcel Number

Primary APN	`24-22-27-2275-00-290`
Alternative APNs	`272224227500290` `120628` `121412` `122786`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,084 sqft Living Area
Gross Area	1,412 sqft
1st Floor Area	1,084 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,500 sqft (0.126 acres)
Garage Type	Attached
Garage Area	276 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	52 sqft
Shed	1 Shed
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	686 BETHUNE AVE
City	WINTER GARDEN
State	FL
Zip	34787-3720
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	EAST BAY ESTATES 33/92 LOT 29
Legal Range	27E
Legal Township	22S
Legal Section	24
Legal Subdivision	EAST BAY ESTS
Legal Tract	2275
Legal Lot Number	29
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	2
Census Block	2020
Census Tract	17402

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	Individual Name on Record
Mailing Address	686 BETHUNE AVE, WINTER GARDEN, FL 34787-3720
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 11, 2023	Intrafamily Transfer, Transfer · FHA Mortgage MUTUAL OF OMAHA MORTGAGE INC
Mar 26, 2021	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Nov 1, 2019	Loan Modification, Mortgage · Conventional Mortgage US BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 15, 2024 · Amount on Record
Deed Sale	Jul 15, 2024 · Amount on Record
Prior Sale	Jul 11, 2023 · Amount on Record
Deed Document Number	2024405900
Prior Transfer Date	Jun 23, 2023
Prior Transfer Doc	0000387160
Record Updated	Oct 29, 2026

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE FL
Recording Date	Jul 11, 2023
Property Address	686 BETHUNE AVE, WINTER GARDEN, FL 34787-3720
Document Number	0000387160
Map Reference	MB 33 PG 92
Instrument Date	Jun 23, 2023
Instrument	20230387160
Transaction Type	Transfer
Record Updated	Jul 28, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	686 BETHUNE AVE, WINTER GARDEN, FL 34787-3720

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	686 BETHUNE AVE, WINTER GARDEN, FL 34787-3720

Mortgage

Document Number	0000387161
Date	Jul 11, 2023
Instrument	20230387161

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2053

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	686 BETHUNE AVE, WINTER GARDEN, FL 34787-3720
Transaction Type	Mortgage
Record Updated	Apr 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	686 BETHUNE AYE, WINTER GARDEN, FL 34787-3720

Mortgage

Document Number	20210173688
Date	Mar 26, 2021
Instrument	20210173688

Lender

Name	US BANK NA
Type	Bank
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	344 Months
Due	Nov 1, 2049

November 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ORANGE FL
Property Address	686 BETHUNE AVE, WINTER GARDEN, FL 34787-3720
Document Number	0000707164
Instrument Date	Nov 1, 2019
Transaction Type	Mortgage
Record Updated	Nov 28, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	686 BETHUNE AVE WINTER GARDEN FL 347873720, WINTER GARDEN, FL 34787-3720

Mortgage

Document Number	0000707164
Date	Nov 11, 2019
Instrument	707164

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 10, 2049

Interest

Rate	4.25%

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		$233,520 (-1.2%) Land $50,000 Building $183,520	$233,520 (-1.2%) Land $50,000 Building $183,520
2025	$3,190.00 (+508.78%) Homeowner's exemption	$236,350 (+250.44%) Land $50,000 Building $186,350	$236,350 (+35.05%) Land $50,000 Building $186,350
2024	$524.00 (+2.95%)
2023	$509.00 (+2%) Homeowner's exemption	$67,443 (+3%)	$175,012 (+13.39%) Land $45,000 Building $130,012
2022	$499.00 Homeowner's exemption	$65,479	$154,347 Land $45,000 Building $109,347

Assessed value is set for property tax purposes, not a market price estimate; it is 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	4 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 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.06% 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 62 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Metronet.

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