707 Brandy Oaks Loop, Winter Garden, FL 34787 Property Records

Orange County property record for 707 Brandy Oaks Loop, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,181 sqft · built 2009
Lot Size	0.167 acres (7,263 sqft)
Owner	2 Individual Names on Record
Last Sale	$585,000 (Jun 2025)
Tax Bill	$4,136 (2025)
Deeds & Mortgages	Sep 2018 Line of Credit May 2017 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22-22-27-6124-00-980`

Property Details

APN / Parcel Number

Primary APN	`22-22-27-6124-00-980`
Alternative APNs	`272222612400980` `118146` `118929` `120312`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,181 sqft Living Area
Gross Area	2,792 sqft
1st Floor Area	1,950 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2010
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,263 sqft (0.167 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	422 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	707 BRANDY OAKS LOOP
City	WINTER GARDEN
State	FL
Zip	34787-2444
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	OAKS AT BRANDY LAKE 68/51 LOT 98
Legal Range	27E
Legal Township	22S
Legal Section	22
Legal Subdivision	OAKS AT BRANDY LAKE
Legal Tract	6124
Legal Lot Number	98
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	2
Census Block	2022
Census Tract	17302

Owner

Source: Orange County records, as of April 30, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	707 BRANDY OAKS LOOP, WINTER GARDEN, FL 34787-2444
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2018	Deed of Trust, Mortgage · Line of Credit SUNTRUST BK
May 26, 2017	Warranty Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE/FL INC
May 26, 2017	Warranty Deed, Transfer · ARM FBC MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2025 · Amount on Record
Deed Sale	Jun 2, 2025 · Amount on Record
Prior Sale	May 26, 2017 · Amount on Record
Deed Document Number	2025320826
Record Updated	Oct 29, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	707 BRANDY OAKS LOOP, WINTER GARDEN, FL 34787-2444
Document Number	0000594210
Instrument Date	Sep 27, 2018
Transaction Type	Mortgage
Record Updated	Oct 24, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	707 BRANDY OAKS LOOP WINTER GARDEN FL 347872444, WINTER GARDEN, FL 34787-2444

Mortgage

Document Number	0000594210
Date	Oct 8, 2018
Instrument	594210

Lender

Name	SUNTRUST BK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 7, 2048

Interest

Rate Type	Adjustable Rate

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	May 26, 2017
Property Address	707 BRANDY OAKS LOOP, WINTER GARDEN, FL 34787-2444
Document Number	0000297114
Instrument Date	May 25, 2017
Instrument	297114
Transaction Type	Transfer
Record Updated	Jun 8, 2017
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE/FL INC

Transaction

Amount	Amount Recorded
Tax	$2,030.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1625 STATE ROUTE 10 MORRIS PLAINS NJ 079502905, MORRIS PLAINS, NJ 07950-2905
Investor	Possibly a Property Investor

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	May 26, 2017
Property Address	707 BRANDY OAKS LOOP, WINTER GARDEN, FL 34787-2444
Document Number	0000297115
Map Reference	MB 68 PG 51-57
Instrument Date	May 25, 2017
Instrument	20170297115
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	FIDELITY NATIONAL TITLE OF F

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,030.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1625 STATE ROUTE 10, 1625, MORRIS PLAINS, NJ 07950-2905

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	707 BRANDY OAKS LOOP, WINTER GARDEN, FL 34787-2444

Mortgage

Document Number	0000297116
Date	May 26, 2017
Instrument	20170297116

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Jun 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.25%
Index	1-Year LIBOR
Max Rate	8.25%

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		$461,070 (+56.62%) Land $125,000 Building $336,070	$461,070 (-1.13%) Land $125,000 Building $336,070
2025	$4,136.00 (+5.32%) Homeowner's exemption	$294,390 (+5.99%)	$466,320 (+9.6%) Land $125,000 Building $341,320
2024	$3,927.00 (+3.78%)
2023	$3,784.00 (+3.13%) Homeowner's exemption	$277,760 (+3%)	$425,484 (+33.58%) Land $125,000 Building $300,484
2022	$3,669.00 Homeowner's exemption	$269,670	$318,516 Land $90,000 Building $228,516

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.

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
Nearby Flood Policies	9 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 67% of the US · lower than 92% 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 331 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T, Metronet, Verizon.

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