856 E Bay St, Winter Garden, FL 34787 Property Records

Orange County property record for 856 E Bay St, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	6 bd · 2.25 ba · 2,206 sqft · built 2021
Lot Size	0.093 acres (4,070 sqft)
Owner	Individual Name on Record
Last Sale	$153,000 (Mar 2021)
Tax Bill	$3,434 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Mar 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`24-22-27-5256-02-060`

Property Details

APN / Parcel Number

Primary APN	`24-22-27-5256-02-060`
Alternative APNs	`272224525602060` `120747` `121529` `122907`

Interior

Bedrooms	6 Beds
Full Baths	2.25 Baths
Half Baths	1 Half Bath
Total Rooms	1 Room
Stories	1 Story
Building Area	2,206 sqft Living Area
Gross Area	2,480 sqft
1st Floor Area	1,103 sqft
Flooring	Carpet
Interior Walls	Wood

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	4,070 sqft (0.093 acres)
Garage Type	Carport
Garage Area	240 sqft
Carport	Carport
Carport Area	240 sqft
Porch	Slab
Porch Area	200 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	856 E BAY ST
City	WINTER GARDEN
State	FL
Zip	34787-3237
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RNC-2
Legal Description	1ST ADDITION J S LOVELESS SUB Q/114 LOT 6 BLK B
Legal Range	27E
Legal Township	22S
Legal Section	24
Legal Subdivision	LOVELESS J S SUB 1ST ADD
Legal Tract	5256
Legal Block	B
Legal Lot Number	6
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	2
Census Block	2020
Census Tract	17402

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	856 E BAY ST, WINTER GARDEN, FL 34787-3237
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage WEST ORANGE HABITAT FOR HUMANITY IN
Mar 8, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage WEST ORANGE HABITAT FOR HUMANITY IN
Mar 5, 2019	Warranty Deed, Transfer TREASURE TITLE INSURANCE AGENCY INC, TREASURE TITLE INS AGCY INC
Mar 5, 2019	Correction Deed TREASURE TITLE INSURANCE AGENCY INC, TREASURE TITLE INS AGCY INC
Jan 31, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 8, 2021 · Amount on Record
Deed Sale	Mar 8, 2021 · Amount on Record
Prior Sale	Mar 5, 2019 · Amount on Record
Deed Document Number	2021133453
Prior Transfer Date	Jun 27, 2016
Prior Transfer Doc	0000331471
Record Updated	Oct 29, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Mar 8, 2021
Property Address	856 E BAY ST, WINTER GARDEN, FL 34787-3237
Document Number	20210133453
Map Reference	MB Q PG 114
Instrument Date	Mar 4, 2021
Instrument	20210133453
Transaction Type	Transfer
Record Updated	Mar 26, 2021
Title Company	TREASURE TITLE INS AGCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,071.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13369 W COLONIAL DR, 13369, WINTER GARDEN, FL 34787-3970

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	856 E BAY ST, WINTER GARDEN, FL 34787-3237

Mortgage

Document Number	20210133454
Date	Mar 8, 2021
Instrument	20210133454

Lender

Name	WEST ORANGE HABITAT FOR HUMANITY IN
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Mar 8, 2021
Property Address	856 E BAY ST, WINTER GARDEN, FL 34787-3237
Document Number	0000133453
Map Reference	MB Q PG 114
Instrument Date	Mar 4, 2021
Instrument	20210133453
Transaction Type	Transfer
Record Updated	Mar 16, 2023
Title Company	TREASURE TITLE INS AGCY INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,071.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13369 W COLONIAL DR, WINTER GARDEN, FL 34787-3970

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	856 E BAY ST, WINTER GARDEN, FL 34787-3237

Mortgage

Document Number	0000133454
Date	Mar 8, 2021
Instrument	20210133454

Lender

Name	WEST ORANGE HABITAT FOR HUMANITY IN
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Mortgage

Document Number	0000133455
Date	Mar 8, 2021
Instrument	20210133455

Lender

Name	COUNTY OF ORANGE
Type	Government Agency
Address	ORLANDO, FL 32801

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Mar 5, 2019
Property Address	856 E BAY ST, WINTER GARDEN, FL 34787-3237
Document Number	0000130630
Instrument Date	Feb 25, 2019
Instrument	130630
Transaction Type	Transfer
Record Updated	Mar 21, 2019
Title Company	TREASURE TITLE INSURANCE AGENCY INC, TREASURE TITLE INS AGCY INC

Transaction

Amount	Amount Recorded
Tax	$108.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	13369 W COLONIAL DR WINTER GARDEN FL 347873970, WINTER GARDEN, FL 34787-3970

March 2019: Correction Deed

Document Type	Correction Deed
Jurisdiction	ORANGE FL
Recording Date	Mar 5, 2019
Property Address	856 E BAY ST, WINTER GARDEN, FL 34787-3237
Document Number	0000130626
Instrument Date	Feb 21, 2019
Instrument	130626
Record Updated	Mar 27, 2019
Title Company	TREASURE TITLE INSURANCE AGENCY INC, TREASURE TITLE INS AGCY INC

Transaction

Amount	Amount Recorded
Tax	$0.70

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	13369 W COLONIAL DR WINTER GARDEN FL 347873970, WINTER GARDEN, FL 34787-3970

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE FL
Recording Date	Jan 31, 2017
Property Address	856 E BAY ST, WINTER GARDEN, FL 34787-3237
Document Number	0000057224
Instrument Date	Aug 30, 2016
Instrument	57224
Transaction Type	Transfer
Record Updated	Mar 1, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2500 E HALLANDALE BEACH BLVD #P HALLANDALE BEACH FL 330094833, P, HALLANDALE BEACH, FL 33009-4833

Tax Assessment & Valuation

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		$210,515 (+0.58%) Land $38,665 Building $171,850	$210,515 (-1.16%) Land $38,665 Building $171,850
2025	$3,434.00 (+9.78%)	$209,292 (+15.05%)	$212,985 (+17.08%) Land $38,665 Building $174,320
2024	$3,128.00 (+11.36%)
2023	$2,809.00 (+11.87%)	$181,915 (+15.69%) Land $28,490 Building $153,425	$181,915 (+15.69%) Land $28,490 Building $153,425
2022	$2,511.00	$157,244 Land $28,490 Building $128,754	$157,244 Land $28,490 Building $128,754

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
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

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

Wildfire Risk	Not rated no burnable land within 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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