726 Reflections Ln, Winter Garden, FL 34787 Property Records

Orange County property record for 726 Reflections Ln, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,871 sqft · built 2007
Lot Size	0.271 acres (11,803 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (Jan 2008)
Tax Bill	$3,248 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Mar 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`34-22-27-0734-00-110`

Property Details

APN / Parcel Number

Primary APN	`34-22-27-0734-00-110`
Alternative APNs	`272234073400110` `128436` `129219` `130600`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,871 sqft Living Area
Gross Area	4,391 sqft
1st Floor Area	1,582 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	11,803 sqft (0.271 acres)
Garage Type	Attached
Garage Area	456 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	746 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	726 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 11
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	11
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	3
Census Block	3000
Census Tract	17116

Owner

726 Reflections Ln is owned and occupied by two individuals who bought it in January 2008.

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

Owner of Record	2 Individual Names on File
Mailing Address	726 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
Jun 10, 2020	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Mar 9, 2018	Deed of Trust, Mortgage · Conventional Mortgage SEASIDE NAT'L BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2008 · Amount on File
Deed Sale	Jan 15, 2008 · Amount on File
Deed Document Number	200826429
Deed Book / Page	9564 / 2514
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	726 REFLECTIONS LN, WINTER GARDEN, FL 34787-5947
Document Number	0000330799
Instrument Date	Jun 10, 2020
Transaction Type	Mortgage
Record Updated	Jul 6, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	726 REFLECTIONS LN WINTER GARDEN FL 347875947, WINTER GARDEN, FL 34787-5947

Mortgage

Document Number	0000330799
Date	Jun 15, 2020
Instrument	330799

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	Jun 14, 2050

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	726 REFLECTIONS LN, WINTER GARDEN, FL 34787-5947
Document Number	0000155084
Instrument Date	Mar 9, 2018
Transaction Type	Mortgage
Record Updated	Mar 27, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	726 REFLECTIONS LN WINTER GARDEN FL 347875947, WINTER GARDEN, FL 34787-5947

Mortgage

Document Number	0000155084
Date	Mar 19, 2018
Instrument	155084

Lender

Name	SEASIDE NAT'L BK&TR
Type	Funding / Finance Company
Address	ORLANDO, FL 32801

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Mar 18, 2028

Tax Assessment & Valuation

The 2025 property tax bill for 726 Reflections Ln was $3,248, up 5.4% 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		$246,377 (+2.7%)	$579,720 (-1.2%) Land $140,000 Building $439,720
2025	$3,248.00 (+5.35%) Homeowner's exemption	$239,900	$586,760 Land $140,000 Building $446,760
2024	$3,083.00 (+3.94%)
2023	$2,966.00 (+3.27%) Homeowner's exemption	$226,349 (+3%)	$497,061 (+14.14%) Land $112,500 Building $384,561
2022	$2,872.00 Homeowner's exemption	$219,756	$435,484 Land $112,500 Building $322,984

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

Flood

FEMA maps place 726 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 726 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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