Orange County property record for 775 Reflections Ln, Winter Garden, FL 34787
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,185 sqft · built 2006 |
| Lot Size | 0.244 acres (10,626 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $365,800 (Apr 2018) |
| Tax Bill | $5,396 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage Apr 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 34-22-27-0734-00-180 |
| Primary APN | 34-22-27-0734-00-180 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,185 sqft Living Area |
| Gross Area | 4,120 sqft |
| 1st Floor Area | 1,782 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,626 sqft (0.244 acres) |
| Garage Type | Attached |
| Garage Area | 450 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 238 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 775 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 18 |
| 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 | 18 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 17116 |
775 Reflections Ln is owned and occupied by two individuals who bought it in April 2018.
Source: Orange County records, as of May 4, 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 File |
|---|---|
| Mailing Address | 775 REFLECTIONS LN, WINTER GARDEN, FL 34787-5948 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 9, 2020 | Deed of Trust, Mortgage · VA Mortgage HOME PT FIN'L |
| Apr 26, 2018 | Warranty Deed, Transfer · VA Mortgage FIDELITY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 26, 2018 · Amount on File |
| Deed Sale | Apr 26, 2018 · Amount on File |
| Prior Sale | Oct 13, 2008 · Amount on File |
| Deed Document Number | 2018249763 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 775 REFLECTIONS LN, WINTER GARDEN, FL 34787-5948 |
| Document Number | 0000602486 |
| Instrument Date | Nov 9, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 2, 2020 |
| Title Company | NATIONWIDE TITLE CLEARING INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 775 REFLECTIONS LN WINTER GARDEN FL 347875948, WINTER GARDEN, FL 34787-5948 |
| Document Number | 0000602486 |
|---|---|
| Date | Nov 18, 2020 |
| Instrument | 602486 |
| Name | HOME PT FIN'L |
|---|---|
| Address | PARSIPPANY, NJ 07054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 17, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Apr 26, 2018 |
| Property Address | 775 REFLECTIONS LN, WINTER GARDEN, FL 34787-5948 |
| Document Number | 0000249763 |
| Map Reference | MB 64 PG 1-6 |
| Instrument Date | Apr 19, 2018 |
| Instrument | 20180249763 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2022 |
| Title Company | EQUITABLE TITLE OF DR PHILLI |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,560.60 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 254 WINTER NELLIS CIR, 254, WINTER GARDEN, FL 34787-5166 |
| Name | Verified Name |
|---|---|
| Address | 775 REFLECTIONS LN, WINTER GARDEN, FL 34787-5948 |
| Document Number | 0000249764 |
|---|---|
| Date | Apr 26, 2018 |
| Instrument | 20180249764 |
| Name | FIDELITY BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2048 |
The 2025 property tax bill for 775 Reflections Ln was $5,396, up 5.2% from the year before.
Source: Orange County assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Municipality | Winter Garden City |
| Unified School District | Orange County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $381,777 (+2.7%) | $585,640 (-1.21%) Land $140,000 Building $445,640 | |
| 2025 | $5,396.00 (+5.25%) Homeowner's exemption | $371,740 | $592,840 Land $140,000 Building $452,840 |
| 2024 | $5,127.00 (+3.68%) | ||
| 2023 | $4,945.00 (+3.02%) Homeowner's exemption | $350,741 (+3%) | $511,474 (+14.28%) Land $112,500 Building $398,974 |
| 2022 | $4,800.00 Homeowner's exemption | $340,525 | $447,563 Land $112,500 Building $335,063 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 775 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 risk around 775 Reflections Ln is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 181 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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