9518 Tower Pine Dr, Winter Garden, FL 34787 Property Records

Lake County property record for 9518 Tower Pine Dr, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,494 sqft · built 1996
Lot Size	5.02 acres (218,671 sqft)
Owner	2 Individual Names on File
Last Sale	$666,400 (Feb 2021)
Tax Bill	$12,515 (2024)
Deeds & Mortgages	Feb 2021 Sale Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-23-26-0001-000-03200`

Property Details

APN / Parcel Number

Primary APN	`13-23-26-0001-000-03200`
Alternative APN	`3464397`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,494 sqft Living Area
1st Floor Area	2,074 sqft
Fireplaces	1 Fireplace
Fireplace	Single

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2022
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	218,671 sqft (5.02 acres)
Garage Type	Detached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Pool Area	465 sqft
Porch	Open Porch
Porch Area	1,068 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3464397
Street Address	9518 TOWER PINE DR
City	WINTER GARDEN
State	FL
Zip	34787-9613
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FROM NE COR OF SEC RUN S 89DEG 33MIN 20SEC W ALONG N LINE OF SEC 1984.35 FT S 00DEG 11MIN 34SEC W 1373 FT FOR POB CONT S
Legal Range	26E
Legal Township	23S
Legal Section	13
Legal Subdivision	ACREAGE & UNREC
Legal Phase	1984
Legal Tract	A
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	2
Census Block	2002
Census Tract	31308

Owner

9518 Tower Pine Dr is owned and occupied by two individuals who bought it in February 2021.

Source: Lake County records, as of December 15, 2025

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	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	9518 TOWER PINE DR, WINTER GARDEN, FL 34787-9613
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2021	Warranty Deed, Transfer HOMETOWN TITLE GROUP INC
Dec 15, 2017	Warranty Deed, Transfer · Conventional with PMI EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Feb 16, 2021 · Amount on File
Deed Sale	Feb 16, 2021 · Amount on File
Prior Sale	Dec 15, 2017 · Amount on File
Deed Document Number	2021021285
Deed Book / Page	5644 / 236
Record Updated	Jun 8, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Feb 16, 2021
Property Address	9518 TOWER PINE DR, WINTER GARDEN, FL 34787-9613
Document Number	0056440236
Book / Page	5644 / 236
Instrument Date	Feb 12, 2021
Instrument	2021021285
Transaction Type	Transfer
Record Updated	May 18, 2023
Title Company	HOMETOWN TITLE GROUP INC

Transaction

Amount	Amount on Record
Tax	$4,664.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1100 GLENRAVEN LN, CLERMONT, FL 34711-9011

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	9518 TOWER PINE DR, WINTER GARDEN, FL 34787-9613

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Dec 15, 2017
Property Address	9518 TOWER PINE DR, WINTER GARDEN, FL 34787-9613
Document Number	0050410152
Book / Page	005041 / 000152
Instrument Date	Nov 27, 2017
Instrument	133879
Transaction Type	Transfer
Record Updated	Jan 4, 2018
Title Company	CLOSING AGENT INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,045.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9518 TOWER PINE DR WINTER GARDEN FL 347879613, WINTER GARDEN, FL 34787-9613

Mortgage

Document Number	50410155
Date	Dec 15, 2017
Book Page	005041/000155
Instrument	133880

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 14, 2047

Tax Assessment & Valuation

Source: Lake County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$814,934 Land $483,175 Building $331,759	$937,254 Land $483,175 Building $454,079
2024	$12,515.00 (+11.29%)
2023	$11,245.00 (+13.33%)	$827,589 (+16.26%)	$827,589 (+16.26%) Land $401,600 Building $425,989
2022	$9,922.00	$711,836	$711,836 Land $288,650 Building $423,186

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

Flood

FEMA maps place 9518 Tower Pine Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 20, 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
Flood Insurance Cost	Premium on File median of 44 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	44 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

Wildfire risk around 9518 Tower Pine Dr is moderate, ranking above 61% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 61% of the US · lower than 63% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	CLERMONT EAST WATER SYSTEM (2 WPS) serves 39,279 people · EPA ID FL3354779
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, 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 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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