708 Reflections Ln, Winter Garden, FL 34787 Property Records

Orange County property record for 708 Reflections Ln, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,335 sqft · built 2008
Lot Size	0.247 acres (10,751 sqft)
Owner	2 Individual Names on File
Last Sale	$425,000 (Sep 2019)
Tax Bill	$6,012 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Sep 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`34-22-27-0734-00-140`

Property Details

APN / Parcel Number

Primary APN	`34-22-27-0734-00-140`
Alternative APNs	`272234073400140` `128440` `129223` `130604`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,335 sqft Living Area
Gross Area	4,543 sqft
1st Floor Area	1,804 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,751 sqft (0.247 acres)
Garage Type	Attached
Garage Area	447 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	491 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	708 REFLECTIONS LN
City	WINTER GARDEN
State	FL
Zip	34787-5947
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	BLACK LAKE PARK PHASE 2 64/1 LOT 14
Legal Range	27E
Legal Township	22S
Legal Section	34
Legal Subdivision	BLACK LAKE PARK PH 2
Legal Phase	2
Legal Tract	734
Legal Lot Number	14
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	3
Census Block	3000
Census Tract	17116

Owner

708 Reflections Ln is owned and occupied by two individuals who bought it in September 2019.

Source: Orange County records, as of May 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	708 REFLECTIONS LN, WINTER GARDEN, FL 34787-5947
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage AMERIHOME MORTGAGE COMPANY LLC
Sep 12, 2019	Warranty Deed, Transfer · Conventional with PMI MORTGAGE FIRM
Sep 27, 2017	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2019 · Amount on File
Deed Sale	Sep 12, 2019 · Amount on File
Prior Sale	Feb 4, 2008 · Amount on File
Deed Document Number	2019564512
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	708 REFLECTIONS LN, WINTER GARDEN, FL 34787-5947
Transaction Type	Mortgage
Record Updated	Mar 29, 2022
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	708 REFLECTIONS LN, WINTER GARDEN, FL 34787-5947

Mortgage

Document Number	0000161447
Date	Mar 10, 2022
Instrument	20220161447

Lender

Name	AMERIHOME MORTGAGE COMPANY LLC
Type	Mortgage Company
Address	THOUSAND OAKS, CA 91362

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Jan 1, 2052

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Sep 12, 2019
Property Address	708 REFLECTIONS LN, WINTER GARDEN, FL 34787-5947
Document Number	0000564512
Instrument Date	Sep 9, 2019
Instrument	564512
Transaction Type	Transfer
Record Updated	Sep 27, 2019
Title Company	THE CLOSING BOUTIQUE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,975.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	708 REFLECTIONS LN WINTER GARDEN FL 347875947, WINTER GARDEN, FL 34787-5947

Mortgage

Document Number	564513
Date	Sep 12, 2019
Instrument	564513

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 11, 2049

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	708 REFLECTIONS LN, WINTER GARDEN, FL 34787-5947
Document Number	0000545045
Instrument Date	Sep 27, 2017
Transaction Type	Mortgage
Record Updated	Oct 26, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	708 REFLECTIONS LN WINTER GARDEN FL 347875947, WINTER GARDEN, FL 34787-5947

Mortgage

Document Number	0000545045
Date	Oct 5, 2017
Instrument	545045

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 4, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 708 Reflections Ln was $6,012, up 5.2% from the year before.

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		$420,598 (+2.7%)	$664,790 (-1.36%) Land $140,000 Building $524,790
2025	$6,012.00 (+5.23%) Homeowner's exemption	$409,540	$673,950 Land $140,000 Building $533,950
2024	$5,713.00 (+3.65%)
2023	$5,512.00 (+2.97%) Homeowner's exemption	$386,406 (+3%)	$571,525 (+13.59%) Land $112,500 Building $459,025
2022	$5,353.00 Homeowner's exemption	$375,151	$503,136 Land $112,500 Building $390,636

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 708 Reflections Ln in Zone X, an area of minimal flood risk, within 100 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 AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 708 Reflections Ln is moderate, ranking above 46% of the US, with a 0.08% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · lower than 83% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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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