913 Cool Springs Cir, Ocoee, FL 34761 Property Records

Orange County property record for 913 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	0.204 acres (8,888 sqft)
Owner	Individual Name on File
Last Sale	$430,000 (Aug 2022)
Tax Bill	$6,145 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-22-28-7346-02-450`

Property Details

APN / Parcel Number

Primary APN	`09-22-28-7346-02-450`
Alternative APNs	`282209734602450` `230842` `235679` `240249`

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 2005
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,888 sqft (0.204 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	244 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	913 COOL SPRINGS CIR
City	OCOEE
State	FL
Zip	34761-9142
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	REFLECTIONS UNIT 3 36/1 LOT 245
Legal Range	28E
Legal Township	22S
Legal Section	09
Legal Subdivision	REFLECTIONS UT 3
Legal Tract	7346
Legal Block	2
Legal Lot Number	245
Legal Unit	3
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	3
Census Block	3001
Census Tract	15003

Owner

913 Cool Springs Cir is owned by an individual who bought it in August 2022.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	1198 EAGLES PASS, 121, MCDONOUGH, GA 30253-4672
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2022	Warranty Deed, Transfer · Conventional Mortgage PMAC LENDING SERVICES INC
Aug 10, 2020	Deed of Trust, Mortgage · VA Mortgage ROYAL UNITED MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 24, 2022 · Amount on File
Deed Sale	Aug 24, 2022 · Amount on File
Prior Sale	Sep 26, 2016 · Amount on File
Deed Document Number	2022519833
Prior Transfer Date	Oct 25, 2006
Prior Transfer Doc	0000730412
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Aug 24, 2022
Property Address	913 COOL SPRINGS CIR, OCOEE, FL 34761-9142
Document Number	0000519833
Map Reference	MB 36 PG 1
Instrument Date	Aug 19, 2022
Instrument	20220519833
Transaction Type	Transfer
Record Updated	Sep 9, 2022
Title Company	SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,010.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	735 SABALO DR, 735, ATLANTIC BEACH, FL 32233-3908

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1198 EAGLES PASS, MCDONOUGH, GA 30253-4672

Mortgage

Document Number	0000519834
Date	Aug 24, 2022
Instrument	20220519834

Lender

Name	PMAC LENDING SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	7.5%
Type Change Date	Sep 1, 2029
Change Frequency	6 Months
Min Rate At Change	7.5%
Max Rate At Change	12.5%
Index	Other
Margin	4
Max Rate	12.5%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	913 COOL SPRINGS CIR, OCOEE, FL 34761-9142
Document Number	0000442909
Instrument Date	Aug 10, 2020
Transaction Type	Mortgage
Record Updated	Sep 10, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	913 COOL SPING CIR OCOEE FL 34761, OCOEE, FL 34761

Mortgage

Document Number	0000442909
Date	Aug 21, 2020
Instrument	442909

Lender

Name	ROYAL UNITED MTG
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	300 Months
Due	Aug 20, 2045

Tax Assessment & Valuation

The 2025 property tax bill for 913 Cool Springs Cir was $6,145, up 5.9% 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		$370,180 (-0.39%) Land $85,000 Building $285,180	$370,180 (-1.24%) Land $85,000 Building $285,180
2025	$6,145.00 (+5.95%) Homeowner's exemption	$371,630	$374,820 Land $85,000 Building $289,820
2024	$5,800.00 (-4.92%)
2023	$6,100.00 (+82.04%)	$340,397 (+59.76%) Land $85,000 Building $255,397	$340,397 (+19.02%) Land $85,000 Building $255,397
2022	$3,351.00 Homeowner's exemption	$213,073	$286,000 Land $85,000 Building $201,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 913 Cool Springs Cir in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.

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 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 913 Cool Springs Cir 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	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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