721 Reflections Ln, Winter Garden, FL 34787 Property Records

Orange County property record for 721 Reflections Ln, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,364 sqft · built 2007
Lot Size	0.244 acres (10,625 sqft)
Owner	2 Individual Names on File
Last Sale	$460,000 (Jun 2020)
Tax Bill	$6,634 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit Jul 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`34-22-27-0734-00-270`

Property Details

APN / Parcel Number

Primary APN	`34-22-27-0734-00-270`
Alternative APNs	`272234073400270` `128456` `129238` `130621`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,364 sqft Living Area
Gross Area	4,891 sqft
1st Floor Area	1,823 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,625 sqft (0.244 acres)
Garage Type	Attached
Garage Area	631 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	1,218 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	721 REFLECTIONS LN
City	WINTER GARDEN
State	FL
Zip	34787-5948
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	BLACK LAKE PARK PHASE 2 64/1 LOT 27
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	27
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	3
Census Block	3020
Census Tract	17116

Owner

721 Reflections Ln is owned and occupied by two individuals who bought it in June 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	721 REFLECTIONS LN, WINTER GARDEN, FL 34787-5948
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 · Line of Credit PARTNERS FCU
Jul 29, 2020	Deed of Trust, Mortgage · Line of Credit PARTNERS FCU
Jun 25, 2020	Warranty Deed, Transfer · Conventional Mortgage PARTNERS FCU
Sep 5, 2017	Warranty Deed, Transfer · VA Mortgage PERL MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2020 · Amount on File
Deed Sale	Jun 25, 2020 · Amount on File
Prior Sale	Sep 5, 2017 · Amount on File
Deed Document Number	2020350536
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	721 REFLECTIONS LN, WINTER GARDEN, FL 34787-5948
Transaction Type	Mortgage
Record Updated	Mar 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	721 REFLECTIONS LN, WINTER GARDEN, FL 34787-5948

Mortgage

Document Number	0000160776
Date	Mar 10, 2022
Instrument	20220160776

Lender

Name	PARTNERS FCU
Type	Credit Union
Address	ORLANDO, FL 32821

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Mar 21, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	721 REFLECTIONS LN, WINTER GARDEN, FL 34787-5948
Document Number	0000441439
Instrument Date	Jul 29, 2020
Transaction Type	Mortgage
Record Updated	Sep 9, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	721 REFLECTIONS LN WINTER GARDEN FL 347875948, WINTER GARDEN, FL 34787-5948

Mortgage

Document Number	0000441439
Date	Aug 20, 2020
Instrument	441439

Lender

Name	PARTNERS FCU
Type	Credit Union
Address	ORLANDO, FL 32821

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Aug 19, 2040

Interest

Rate Type	Adjustable Rate

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jun 25, 2020
Property Address	721 REFLECTIONS LN, WINTER GARDEN, FL 34787-5948
Document Number	0000350536
Instrument Date	Jun 22, 2020
Instrument	350536
Transaction Type	Transfer
Record Updated	Jul 16, 2020
Title Company	CLOSING AGENT INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,220.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	721 REFLECTIONS LN WINTER GARDEN FL 347875948, WINTER GARDEN, FL 34787-5948

Mortgage

Document Number	350537
Date	Jun 25, 2020
Instrument	350537

Lender

Name	PARTNERS FCU
Type	Credit Union
Address	ORLANDO, FL 32821

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 24, 2050

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Sep 5, 2017
Property Address	721 REFLECTIONS LN, WINTER GARDEN, FL 34787-5948
Document Number	0000490312
Map Reference	MB 64 PG 1-6
Instrument Date	Aug 31, 2017
Instrument	20170490312
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	DOMINION TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,150.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	732 REFLECTIONS LN, 732, WINTER GARDEN, FL 34787-5947

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	721 REFLECTIONS LN, WINTER GARDEN, FL 34787-5948

Mortgage

Document Number	0000490313
Date	Sep 5, 2017
Instrument	20170490313

Lender

Name	PERL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 721 Reflections Ln was $6,634, 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		$459,808 (+2.7%)	$671,950 (-1.39%) Land $140,000 Building $531,950
2025	$6,634.00 (+5.22%) Homeowner's exemption	$447,720	$681,440 Land $140,000 Building $541,440
2024	$6,305.00 (+3.62%)
2023	$6,085.00 (+2.93%) Homeowner's exemption	$422,429 (+3%)	$580,034 (+13.88%) Land $112,500 Building $467,534
2022	$5,912.00 Homeowner's exemption	$410,125	$509,341 Land $112,500 Building $396,841

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

Flood

FEMA maps place 721 Reflections Ln 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 AE, within 500 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 721 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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