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

Orange County property record for 862 E Bay St, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	10 bd · 2 ba · 2,590 sqft · built 1967
Lot Size	0.093 acres (4,067 sqft)
Owner	Company Name on Record
Last Sale	$230,000 (Jul 2023)
Tax Bill	$3,440 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Sep 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-22-27-5256-02-070`

Property Details

APN / Parcel Number

Primary APN	`24-22-27-5256-02-070`
Alternative APNs	`272224525602070` `120748` `121530` `122908`

Interior

Bedrooms	10 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,590 sqft Living Area
Gross Area	2,948 sqft
1st Floor Area	1,400 sqft
Flooring	Carpet
Interior Walls	Plywood

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1977
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	4,067 sqft (0.093 acres)
Lot Width	50 ft Width
Porch	Unfinished Open Porch
Porch Area	148 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	862 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 7 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	7
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 7, 2026

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

Owner of Record	Company Name on Record
Mailing Address	706 DUFF DR, WINTER GARDEN, FL 34787-5007
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jul 18, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage AMG DEVELOPMENT LLC
Sep 1, 2020	Grant Deed, Transfer PREMIUM TITLE SERVICES FL INC, PREMIUM TITLE SVCS FL INC
May 3, 2019	Trustee's Deed, Foreclosure NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 18, 2023 · Amount on Record
Deed Sale	Jul 18, 2023 · Amount on Record
Prior Sale	Sep 1, 2020 · Amount on Record
Deed Document Number	2023400339
Prior Transfer Date	Dec 7, 2016
Prior Transfer Doc	0000659292
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jul 18, 2023
Property Address	862 E BAY ST, WINTER GARDEN, FL 34787-3237
Document Number	0000400339
Map Reference	MB Q PG 114
Instrument Date	Jul 12, 2023
Instrument	20230400339
Transaction Type	Transfer
Record Updated	Aug 2, 2023
Title Company	NATIONAL TITLE SOLUTIONS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,610.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11223 BRIDGE HOUSE RD, WINDERMERE, FL 34786-5403

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	706 DUFF DRIVE WINTER GARDEN, WINTER GARDEN, FL 34787

Mortgage

Document Number	0000400340
Date	Jul 18, 2023
Instrument	20230400340

Lender

Name	AMG DEVELOPMENT LLC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE FL
Recording Date	Sep 1, 2020
Property Address	862 E BAY ST, WINTER GARDEN, FL 34787-3237
Document Number	0000458739
Instrument Date	Aug 28, 2020
Instrument	458739
Transaction Type	Transfer
Record Updated	Sep 23, 2020
Title Company	PREMIUM TITLE SERVICES FL INC, PREMIUM TITLE SVCS FL INC

Transaction

Amount	Amount Recorded
Tax	$1,195.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 470788 CELEBRATION FL 347470788, CELEBRATION, FL 34747-0788

May 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	ORANGE FL
Recording Date	May 3, 2019
Property Address	862 E BAY ST, WINTER GARDEN, FL 34787-3237
Document Number	0000275200
Instrument Date	Apr 18, 2019
Instrument	275200
Transaction Type	Foreclosure
Record Updated	May 21, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$25.90
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1661 WORTHINGTON RD #100 WEST PALM BEACH FL 334096493, 100, WEST PALM BEACH, FL 33409-6493

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		$201,447 (-4.58%) Land $38,637 Building $162,810	$201,447 (-4.58%) Land $38,637 Building $162,810
2025	$3,440.00 (+6.27%)	$211,117 (+4.04%) Land $38,637 Building $172,480	$211,117 (+4.04%) Land $38,637 Building $172,480
2024	$3,237.00 (+5.41%)	$202,912 (-20.06%) Land $38,637 Building $164,275	$202,912 (-20.06%) Land $38,637 Building $164,275
2023	$3,071.00 (+12.37%)	$253,838 (+15.49%) Land $28,469 Building $225,369	$253,838 (+15.49%) Land $28,469 Building $225,369
2022	$2,733.00	$219,790 Land $28,469 Building $191,321	$219,790 Land $28,469 Building $191,321

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	Low lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood	0.02% 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 236 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T, CenturyLink, Hotwire Communications, Verizon.

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