892 Cool Springs Cir, Ocoee, FL 34761 Property Records

Orange County property record for 892 Cool Springs Cir, Ocoee, FL 34761

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,913 sqft · built 1997
Lot Size	0.288 acres (12,539 sqft)
Owner	2 Individual Names on Record
Last Sale	$440,000 (Jul 2025)
Tax Bill	$4,314 (2025)
Deeds & Mortgages	Oct 2019 Sale & Mortgage Mar 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-22-28-7346-02-610`

Property Details

APN / Parcel Number

Primary APN	`09-22-28-7346-02-610`
Alternative APNs	`282209734602610` `230860` `235699` `240269`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,913 sqft Living Area
Gross Area	2,598 sqft
1st Floor Area	1,913 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,539 sqft (0.288 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	244 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	892 COOL SPRINGS CIR
City	OCOEE
State	FL
Zip	34761-9140
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	REFLECTIONS UNIT 3 36/1 LOT 261
Legal Range	28E
Legal Township	22S
Legal Section	09
Legal Subdivision	REFLECTIONS UT 3
Legal Tract	7346
Legal Block	2
Legal Lot Number	261
Legal Unit	3
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	3
Census Block	3006
Census Tract	15003

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	892 COOL SPRINGS CIR, OCOEE, FL 34761-9140
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2019	Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS
Mar 12, 2019	Warranty Deed, Transfer TREASURE TITLE INSURANCE AGENCY INC, TREASURE TITLE INS AGCY INC
Jun 21, 2017	Deed of Trust, Mortgage · Conventional Mortgage FAIRWINDS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2025 · Amount on Record
Deed Sale	Jul 8, 2025 · Amount on Record
Prior Sale	Oct 9, 2019 · Amount on Record
Deed Document Number	2025393354
Record Updated	Oct 29, 2026

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Oct 9, 2019
Property Address	892 COOL SPRINGS CIR, OCOEE, FL 34761-9140
Document Number	0000632554
Instrument Date	Sep 12, 2019
Instrument	632554
Transaction Type	Transfer
Record Updated	Oct 24, 2019
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,939.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2523 TRYON PL WINDERMERE FL 347863413, WINDERMERE, FL 34786-3413

Mortgage

Document Number	632555
Date	Oct 9, 2019
Instrument	632555

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 8, 2049

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Mar 12, 2019
Property Address	892 COOL SPRINGS CIR, OCOEE, FL 34761-9140
Document Number	0000145246
Instrument Date	Mar 8, 2019
Instrument	145246
Transaction Type	Transfer
Record Updated	Mar 27, 2019
Title Company	TREASURE TITLE INSURANCE AGENCY INC, TREASURE TITLE INS AGCY INC

Transaction

Amount	Amount Recorded
Tax	$1,925.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	892 COOL SPRINGS CIR OCOEE FL 347619140, OCOEE, FL 34761-9140

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	892 COOL SPRINGS CIR, OCOEE, FL 34761-9140
Document Number	0000358149
Instrument Date	Jun 21, 2017
Transaction Type	Mortgage
Record Updated	Jul 7, 2017
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	892 COOL SPRINGS CIR OCOEE FL 347619140, OCOEE, FL 34761-9140

Mortgage

Document Number	0000358149
Date	Jun 27, 2017
Instrument	358149

Lender

Name	FAIRWINDS CU
Address	ORLANDO, FL 32801

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 26, 2027

Tax Assessment & Valuation

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		$351,030 (+35.05%) Land $85,000 Building $266,030	$351,030 (-1.29%) Land $85,000 Building $266,030
2025	$4,314.00 (+7.31%) Homeowner's exemption	$259,918 (+5.99%)	$355,630 (+9.83%) Land $85,000 Building $270,630
2024	$4,020.00 (+3.47%)
2023	$3,885.00 (+3.27%) Homeowner's exemption	$245,236 (+3%)	$323,790 (+13.21%) Land $85,000 Building $238,790
2022	$3,762.00 Homeowner's exemption	$238,093	$286,005 Land $85,000 Building $201,005

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
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

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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