9519 Black Bear Ln, Winter Garden, FL 34787 Property Records

Lake County property record for 9519 Black Bear Ln, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,872 sqft · built 1995
Lot Size	4.75 acres (207,210 sqft)
Owner	2 Individual Names on Record
Last Sale	$100 (Jul 2017)
Tax Bill	$5,329 (2024)
Deeds & Mortgages	Dec 2022 Transfer Sep 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`13-23-26-0001-000-02700`

Property Details

APN / Parcel Number

Primary APN	`13-23-26-0001-000-02700`
Alternative APNs	`262313000100002700` `3380908`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,872 sqft Living Area
Gross Area	3,334 sqft
1st Floor Area	2,872 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2023
Exterior Material	Brick
Construction Type	Frame
Roof Material	Asphalt
Lot Area	207,210 sqft (4.75 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	435 sqft
Porch	Screened/Unfinished Porch
Porch Area	1,656 sqft
Deck Area	Deck Area
Patio Area	377 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3380908
Street Address	9519 BLACK BEAR LN
City	WINTER GARDEN
State	FL
Zip	34787-9004
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	FROM NE COR OF SEC RUN S 89DEG 33MIN 20SEC W ALONG N LINE OF SEC 1322.90 FT S 00DEG 00MIN 08SEC E 1372.99 FT FOR POB CONT S 1278.02 FT TO S LINE OF NE 1/4 S 00DEG 10MIN 00SEC E 54 FT N 89DEG 41MIN 56SEC E 670.25 FT N 00DEG 16MIN 01SEC W 54.15 FT TO S
Legal Range	26E
Legal Township	23S
Legal Section	13
Legal Quarter	1
Legal Subdivision	ACREAGE
Legal Tract	0001
Legal Lot Number	27
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	2
Census Block	2002
Census Tract	31308

Owner

Source: Lake County records, as of March 6, 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	9519 BLACK BEAR LN, WINTER GARDEN, FL 34787-9004
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2022	Intrafamily Transfer, Transfer ACCOMMODATION
Sep 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage EQUITY PRIME MTG
Dec 10, 2018	Deed of Trust, Mortgage FIDELITY BK/FL
Aug 2, 2017	Warranty Deed, Transfer · Conventional Mortgage FBC MTG
Aug 2, 2017	Grant Deed, Transfer SUNBELT TITLE (AGENCY)
Aug 2, 2017	Grant Deed, Transfer SUNBELT TITLE (AGENCY)

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2017 · Amount on Record
Deed Sale	Jul 1, 2017 · Amount on Record
Deed Book / Page	4981 / 1727
Prior Transfer Date	Sep 24, 2008
Prior Transfer Doc	0036852410
Record Updated	Jun 8, 2026

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE FL
Recording Date	Dec 22, 2022
Property Address	9519 BLACK BEAR LN, WINTER GARDEN, FL 34787-9004
Document Number	0060702207
Book / Page	6070 / 2207
Instrument Date	Dec 16, 2022
Instrument	2022163963
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9519 BLACK BEAR LN, WINTER GARDEN, FL 34787-9004

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	9519 BLACK BEAR LN, WINTER GARDEN, FL 34787-9004
Investor	Possibly a Property Investor

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	9519 BLACK BEAR LN, WINTER GARDEN, FL 34787-9004
Document Number	0055792187
Instrument Date	Sep 21, 2020
Transaction Type	Mortgage
Record Updated	Dec 14, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9519 BLACK BEAR LN WINTER GARDEN FL 347879004, WINTER GARDEN, FL 34787-9004

Mortgage

Document Number	0055792187
Date	Nov 10, 2020
Book Page	005579/002187
Instrument	126391

Lender

Name	EQUITY PRIME MTG
Address	ATLANTA, GA 30328

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 9, 2050

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	9519 BLACK BEAR LN, WINTER GARDEN, FL 34787-9004
Document Number	0052111541
Instrument Date	Dec 10, 2018
Transaction Type	Mortgage
Record Updated	Jan 3, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9519 BLACK BEAR LN WINTER GARDEN FL 347879004, WINTER GARDEN, FL 34787-9004

Mortgage

Document Number	0052111541
Date	Dec 14, 2018
Book Page	005211/001541
Instrument	144585

Lender

Name	FIDELITY BK/FL
Type	Bank
Address	MERRITT ISLAND, FL 32953

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Dec 13, 2028

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Aug 2, 2017
Property Address	9519 BLACK BEAR LN, WINTER GARDEN, FL 34787-9004
Document Number	0049811732
Book / Page	004981 / 001732
Instrument Date	Jul 28, 2017
Instrument	83487
Transaction Type	Transfer
Record Updated	Aug 31, 2017
Title Company	SUNBELT TITLE (AGENCY)

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,605.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9519 BLACK BEAR LN WINTER GARDEN FL 347879004, WINTER GARDEN, FL 34787-9004

Mortgage

Document Number	49811733
Date	Aug 2, 2017
Book Page	004981/001733
Instrument	83488

Lender

Name	FBC MTG
Type	Mortgage Company
Address	ORLANDO, FL 32801

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2047

Mortgage

Document Number	49811744,
Date	Aug 2, 2017
Book Page	004981/001744
Instrument	83489

Lender

Name	TCF NAT'L BK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2047

Interest

Rate Type	Adjustable Rate

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LAKE FL
Recording Date	Aug 2, 2017
Property Address	9519 BLACK BEAR LN, WINTER GARDEN, FL 34787-9004
Document Number	0049811727
Book / Page	004981 / 001727
Instrument Date	Jul 26, 2017
Instrument	83484
Transaction Type	Transfer
Record Updated	Sep 21, 2017
Title Company	SUNBELT TITLE (AGENCY)

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	111 MERICAM CT WINTER GARDEN FL 347879423, WINTER GARDEN, FL 34787-9423

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LAKE FL
Recording Date	Aug 2, 2017
Property Address	9519 BLACK BEAR LN, WINTER GARDEN, FL 34787-9004
Document Number	0049811729
Book / Page	004981 / 001729
Instrument Date	Jul 11, 2017
Instrument	83485
Transaction Type	Transfer
Record Updated	Sep 21, 2017
Title Company	SUNBELT TITLE (AGENCY)

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2108 CANEY BRANCH RD BONIFAY FL 324257240, BONIFAY, FL 32425-7240

Tax Assessment & Valuation

Source: Lake County assessment roll, as of November 26, 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
2026		$408,250 (+2.9%)	$959,001 (-0.02%) Land $485,100 Building $473,901
2025		$396,750 (+5.99%)	$959,149 (+11.55%) Land $485,100 Building $474,049
2024	$5,329.00 (+5.9%)
2023	$5,032.00 (+5.78%) Homeowner's exemption	$374,340 (+3%)	$859,838 (+15.22%) Land $403,200 Building $456,638
2022	$4,757.00 Homeowner's exemption	$363,440	$746,289 Land $289,800 Building $456,489

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 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 Record 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

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

Wildfire Risk	Moderate above 62% of the US · lower than 62% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 22 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

9519 Black Bear Ln, Winter Garden, FL 34787 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Exterior Amenities

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

December 2022: Intrafamily Transfer, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

September 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

December 2018: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

August 2017: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Mortgage

Lender

Agreement

Interest

August 2017: Grant Deed, Transfer

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

August 2017: Grant Deed, Transfer

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Black Bear Ln

Nearby Streets

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