8118 Surf Bird St, Winter Garden, FL 34787 Property Records

Orange County property record for 8118 Surf Bird St, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,864 sqft · built 2017
Lot Size	0.131 acres (5,705 sqft)
Owner	2 Individual Names on Record
Last Sale	$499,000 (Apr 2026)
Tax Bill	$7,524 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-23-27-8316-24-040`

Property Details

APN / Parcel Number

Primary APN	`28-23-27-8316-24-040`
Alternative APNs	`272328831624040` `151305` `152470` `154591`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,864 sqft Living Area
Gross Area	2,556 sqft
1st Floor Area	1,864 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,705 sqft (0.131 acres)
Garage Type	Attached
Garage Area	458 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	234 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	8118 SURF BIRD ST
City	WINTER GARDEN
State	FL
Zip	34787-5174
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	SUMMERLAKE PD PHASE 2A AND 2B 78/72 LOT 4 BLK X
Legal Range	27E
Legal Township	23S
Legal Section	28
Legal Subdivision	SUMMERLAKE PD PH 2A AND 2B
Legal Phase	2A
Legal Tract	8316
Legal Block	X
Legal Lot Number	4
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1284
Census Tract	17111

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	13572 THORNCREEK CIR, THORNTON, CO 80241-3905
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 9, 2017	Special Warranty Deed, Transfer · Conventional Mortgage CALATLANTIC MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 2026 · Amount on Record
Deed Sale	Apr 21, 2026 · Amount on Record
Prior Sale	Jun 9, 2017 · Amount on Record
Deed Document Number	2026223607
Record Updated	Sep 20, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Apr 21, 2026
Property Address	8118 SURF BIRD ST, WINTER GARDEN, FL 34787-5174
Document Number	0000223607
Instrument Date	Apr 7, 2026
Instrument	2026.223607
Transaction Type	Transfer
Record Updated	Apr 29, 2026
Title Company	EXPRESS TITLE AND CLOSING LLC, EXPRESS TITLE & CLOSING

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$352,793.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	13572 THORNCREEK CIR, THORNTON, CO 80241-3905

Mortgage

Document Number	0000223608,
Date	Apr 21, 2026
Instrument	2026..223608

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.43%
Initial Type	Fixed Rate
Max Rate	-1%

June 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jun 9, 2017
Property Address	8118 SURF BIRD ST, WINTER GARDEN, FL 34787-5174
Document Number	0000322848
Map Reference	MB 78 PG 72-77
Instrument Date	Jun 8, 2017
Instrument	20170322848
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,965.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	444 W NEW ENGLAND AVE # AVE200, 444, WINTER PARK, FL 32789-4224

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8118 SURF BIRD ST, WINTER GARDEN, FL 34787-5174

Mortgage

Document Number	0000322849
Date	Jun 9, 2017
Instrument	20170322849

Lender

Name	CALATLANTIC MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

Source: Orange County assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Orange County
Unified School District	Orange County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$447,930 (+9.06%) Land $135,000 Building $312,930	$447,930 (-1.03%) Land $135,000 Building $312,930
2025	$7,524.00 (+5.2%)	$410,708 (-7.46%)	$452,580 (+1.97%) Land $135,000 Building $317,580
2024	$7,152.00 (+11.65%)
2023	$6,406.00 (+15.38%)	$443,823 (+23.41%) Land $135,000 Building $308,823	$443,823 (+23.41%) Land $135,000 Building $308,823
2022	$5,552.00	$359,631 Land $125,000 Building $234,631	$359,631 Land $125,000 Building $234,631

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 269 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	269 in force
Nearby Flood Claims	4 (2014–2024)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 2 claims

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	Moderate above 46% of the US · lower than 83% of Florida
Wildfire Likelihood	0.07% 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	OCUD/SOUTHERN WATER SYS (5 WPS) serves 80,738 people · EPA ID FL3484119
Water Source	Groundwater
Last State Inspection	May 2024
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 388 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink.

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