879 Cool Springs Cir, Ocoee, FL 34761 Property Records

Orange County property record for 879 Cool Springs Cir, Ocoee, FL 34761

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,884 sqft · built 1996
Lot Size	0.222 acres (9,690 sqft)
Owner	Individual Name on File
Last Sale	$449,000 (Sep 2023)
Tax Bill	$5,729 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-22-28-7346-02-340`

Property Details

APN / Parcel Number

Primary APN	`09-22-28-7346-02-340`
Alternative APNs	`282209734602340` `230827` `235667` `240237`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,884 sqft Living Area
Gross Area	2,336 sqft
1st Floor Area	1,884 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,690 sqft (0.222 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	32 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	879 COOL SPRINGS CIR
City	OCOEE
State	FL
Zip	34761-9143
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	REFLECTIONS UNIT 3 36/1 LOT 234
Legal Range	28E
Legal Township	22S
Legal Section	09
Legal Subdivision	REFLECTIONS UT 3
Legal Tract	7346
Legal Block	2
Legal Lot Number	234
Legal Unit	3
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	3
Census Block	3001
Census Tract	15003

Owner

879 Cool Springs Cir is owned and occupied by an individual who bought it in September 2023.

Source: Orange County records, as of April 30, 2026

Owner of Record	Individual Name on File
Mailing Address	879 COOL SPRINGS CIR, OCOEE, FL 34761-9143
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Sep 1, 2023	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Feb 10, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jun 15, 2017	Warranty Deed, Transfer · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 1, 2023 · Amount on File
Deed Sale	Sep 1, 2023 · Amount on File
Prior Sale	Jun 15, 2017 · Amount on File
Deed Document Number	2023501998
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Sep 1, 2023
Property Address	879 COOL SPRINGS CIR, OCOEE, FL 34761-9143
Document Number	0000501998
Map Reference	MB 36 PG 1&2
Instrument Date	Aug 31, 2023
Instrument	20230501998
Transaction Type	Transfer
Record Updated	Sep 21, 2023
Title Company	WEST ORANGE TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,143.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	403 TIMBERCOVE CIR, LONGWOOD, FL 32779-2526

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	879 COOL SPRINGS CIR, OCOEE, FL 34761-9143

Mortgage

Document Number	0000501999
Date	Sep 1, 2023
Instrument	20230501999

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2053

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	879 COOL SPRINGS CIR, OCOEE, FL 34761-9143
Transaction Type	Mortgage
Record Updated	Feb 26, 2021
Title Company	CAPITAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	879 COOL SPRINGS CIR, OCOEE, FL 34761-9143

Mortgage

Document Number	20210079619
Date	Feb 10, 2021
Instrument	20210079619

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	318 Months
Due	Aug 1, 2047

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jun 15, 2017
Property Address	879 COOL SPRINGS CIR, OCOEE, FL 34761-9143
Document Number	0000334289
Map Reference	MB 36 PG 1&2
Instrument Date	Jun 12, 2017
Instrument	20170334289
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,592.50
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3100 OLD WINTER GARDEN RD # RD914, 3100, OCOEE, FL 34761-4529

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	879 COOL SPRINGS CIR, OCOEE, FL 34761-9143

Mortgage

Document Number	0000334290
Date	Jun 15, 2017
Instrument	20170334290

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 879 Cool Springs Cir was $5,729, up 6.2% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$344,730 (-0.44%) Land $85,000 Building $259,730	$344,730 (-1.2%) Land $85,000 Building $259,730
2025	$5,729.00 (+6.17%) Homeowner's exemption	$346,265	$348,910 Land $85,000 Building $263,910
2024	$5,396.00 (+916.2%)
2023	$531.00 (+3.71%) Homeowner's exemption	$294,302 (+3%)	$323,355 (+13.17%) Land $85,000 Building $238,355
2022	$512.00 Homeowner's exemption	$285,730 Land $85,000 Building $200,730	$285,730 Land $85,000 Building $200,730

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

Flood

FEMA maps place 879 Cool Springs Cir 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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (2018)
Most Recent Claim	Sep 2018 · river or lake flooding

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 879 Cool Springs Cir 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 64% of the US · lower than 90% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	OCOEE, CITY OF (2 WPS) serves 34,000 people · EPA ID FL3480204
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	Under 1 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	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 349 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 35

May also be available: Verizon, Xfinity.

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