9404 Black Bear Ln, Winter Garden, FL 34787 Property Records

Lake County property record for 9404 Black Bear Ln, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,288 sqft · built 1995
Lot Size	5 acres (217,800 sqft)
Owner	2 Owner Names on File
Last Sale	$155,000 (Oct 1998)
Tax Bill	$3,890 (2024)
Deeds & Mortgages	Aug 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`13-23-26-0004-000-03500`

Property Details

APN / Parcel Number

Primary APN	`13-23-26-0004-000-03500`
Alternative APN	`3512243`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	2,288 sqft Living Area
1st Floor Area	1,760 sqft
Fireplaces	1 Fireplace
Fireplace	Single

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2022
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	217,800 sqft (5 acres)
Garage Type	Carport
Garage Area	528 sqft
Carport	Carport
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Pool Area	561 sqft
Porch	Open Porch
Porch Area	804 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3512243
Street Address	9404 BLACK BEAR LN
City	WINTER GARDEN
State	FL
Zip	34787-9003
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 328.55 FT OF N 657.87 FT OF S 1314.89 FT OF N 3987.89 FT OF FOLLOWING LEGAL DESC: BEG AT NE COR OF SEC RUN S 89DEG 33MIN
Legal Range	26E
Legal Township	23S
Legal Section	13
Legal Subdivision	ACREAGE OR UNREC
Legal Phase	663
Legal Tract	4
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	2
Census Block	2002
Census Tract	31308

Owner

Source: Lake County records · APN 13-23-26-0004-000-03500

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of Record	2 Owner Names on File
Mailing Address	9404 BLACK BEAR LN, WINTER GARDEN, FL 34787-9003
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 05, 1998 · Amount on Record
Deed Sale	Oct 05, 1998 · Amount on Record
Prior Sale	Nov 21, 1994
Deed Document Number	0164900969
Deed Book / Page	01649 / 00969
Record Updated	Jun 08, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	9404 BLACK BEAR LN, WINTER GARDEN, FL 34787-9003
Document Number	0053370459
Instrument Date	Aug 22, 2019
Transaction Type	Mortgage
Record Updated	Sep 19, 2019
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9404 BLACK BEAR LN WINTER GARDEN FL 347879003, WINTER GARDEN, FL 34787-9003

Mortgage

Document Number	0053370459
Date	Sep 06, 2019
Book Page	005337/000459
Instrument	100187

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 05, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Lake County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Lake County
Unified School District	Lake County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$284,180 (+5.98%)	$884,257 (+12.06%) Land $481,250 Building $403,007
2024	$3,890.00 (+7.4%)
2023	$3,622.00 (+7.13%) Homeowner's exemption	$268,140 (+3%)	$789,123 (+16.65%) Land $400,000 Building $389,123
2022	$3,381.00 Homeowner's exemption	$260,330	$676,473 Land $287,500 Building $388,973

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 20, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 44 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	44 in force

Wildfire

Wildfire Risk	Moderate above 64% of the US · lower than 60% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile USA.

Based on FCC filings for 5 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CLERMONT EAST WATER SYSTEM (2 WPS) serves 39,279 people
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	Under 1 ppb (2025) 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.