817 Pine St, Winter Garden, FL 34787 Property Records

Orange County property record for 817 Pine St, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,298 sqft · built 1991
Lot Size	0.176 acres (7,654 sqft)
Owner	2 Individual Names on File
Last Sale	$260,000 (Oct 2021)
Tax Bill	$4,511 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Oct 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`24-22-27-5584-03-130`

Property Details

APN / Parcel Number

Primary APN	`24-22-27-5584-03-130`
Alternative APNs	`272224558403130` `120832` `121615` `122991`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,298 sqft Living Area
Gross Area	1,346 sqft
1st Floor Area	1,298 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2010
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,654 sqft (0.176 acres)
Porch	Slab
Porch Area	48 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	817 PINE ST
City	WINTER GARDEN
State	FL
Zip	34787-3748
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	MERCHANTS SUB Q/101 LOTS 13 & 14 BLK C
Legal Range	27E
Legal Township	22S
Legal Section	24
Legal Subdivision	MERCHANTS SUB
Legal Tract	5584
Legal Block	C
Legal Lot Number	13,14
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	2
Census Block	2036
Census Tract	17402

Owner

817 Pine St is owned and occupied by two individuals who bought it in October 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	817 PINE ST, WINTER GARDEN, FL 34787-3748
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
Oct 28, 2021	Warranty Deed, Transfer · Conventional Mortgage MY MORTGAGE INC
Oct 12, 2018	Warranty Deed, Transfer INNOVATIVE TITLE SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2021 · Amount on File
Deed Sale	Oct 28, 2021 · Amount on File
Prior Sale	Oct 12, 2018 · Amount on File
Deed Document Number	2021661607
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Oct 28, 2021
Property Address	817 PINE ST, WINTER GARDEN, FL 34787-3748
Document Number	20210661607
Map Reference	MB Q PG 101
Instrument Date	Oct 21, 2021
Instrument	20210661607
Transaction Type	Transfer
Record Updated	Nov 15, 2021
Title Company	FIRST FL TITLE GROUP INC, FIRST TITLE GROUP INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,820.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1123 ALGARE LOOP, 1123, WINDERMERE, FL 34786-6044

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	817 PINE ST, WINTER GARDEN, FL 34787-3748

Mortgage

Document Number	20210661608
Date	Oct 28, 2021
Instrument	20210661608

Lender

Name	MY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Oct 12, 2018
Property Address	817 PINE ST, WINTER GARDEN, FL 34787-3748
Document Number	0000603870
Instrument Date	Oct 9, 2018
Instrument	603870
Transaction Type	Transfer
Record Updated	Oct 26, 2018
Title Company	INNOVATIVE TITLE SERVICES INC

Transaction

Amount	Amount on Record
Tax	$927.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1123 ALGARE LOOP WINDERMERE FL 347866044, WINDERMERE, FL 34786-6044

Tax Assessment & Valuation

The 2025 property tax bill for 817 Pine St was $4,511, up 7.8% from the year before.

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		$252,887 (-1.05%) Land $80,367 Building $172,520	$252,887 (-1.05%) Land $80,367 Building $172,520
2025	$4,511.00 (+7.79%)	$255,577 Land $80,367 Building $175,210	$255,577 Land $80,367 Building $175,210
2024	$4,185.00 (+9.53%)
2023	$3,821.00 (+15.68%)	$246,258 (+25.54%) Land $76,540 Building $169,718	$246,258 (+25.54%) Land $76,540 Building $169,718
2022	$3,303.00	$196,163 Land $53,578 Building $142,585	$196,163 Land $53,578 Building $142,585

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

Flood

FEMA maps place 817 Pine St in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	4 in force

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 817 Pine St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% 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	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 156 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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