Report: 8222 Topsail Pl, Winter Garden, FL 34787

What matters

  • According to the official maps, the **FEMA flood zone at the property** is Zone X, which is an "AREA OF MINIMAL FLOOD HAZARD." This means it's outside the high-risk floodplains, and there is no federal mandatory flood-insurance purchase requirement tied to this zone.Verified
    High · location
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  • The **FEMA National Risk Index rating for the surrounding tract** is "Very High." This is a neighborhood-level rating, not specific to this one lot. It reflects the high value of homes and buildings in the area, which drives up the potential financial losses from all kinds of hazards, from hurricanes to thunderstorms.Area statistic · approximate
    Medium · source · support
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  • Based on county records, the **Assessor roll values and county ad-valorem tax floor** suggest a property tax floor of about $9,900 for the current owner. For a new owner, that estimate rises to about $10,200 after a likely post-sale reassessment. Keep in mind this is only a baseline; it doesn't include taxes for schools, community districts, or other local fees, so the actual bill will be higher.Screened
    Medium · method · location
    view
  • The **Dominant soil map unit over the parcel** is "Immokalee fine sand," a common Florida soil that is poorly drained. In a recently built subdivision like this, however, the original soil has likely been graded and filled, so the natural soil survey is more of a background fact than a reflection of current ground conditions.Screened
    Medium · source · method
    view
  • The **EPA radon zone for Orange County** is Zone 3, the lowest-risk category. This is based on a county-wide map from 1993, and the EPA recommends that all homes be tested for radon regardless of the zone.Jurisdiction record · approximate
    Medium · dated · support
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Watch outs

  • A check of national maps shows open water nearby. Some map checks based on large grid cells flag the property's location as "Freshwater Pond" and its future land use as "Water." This is a quirk of how the maps are drawn; they use very large cells that can cover a house and a nearby retention pond in the same brush stroke. The records confirm a house was built here in 2021, so this finding just means the property is close to water, not in it.Area statistic · approximate
    Medium · method · source
    view

Before you commit

This looks like a standard homesite in a modern subdivision with low individual flood risk, but you should be aware of the broader hazard context for Central Florida. Your most immediate next step is to confirm the source of the property's water and wastewater service with the county.

  • The state's water-management records did not specify the home's water source. You'll need to confirm the **Parcel water and wastewater service status is unrecorded** by contacting Orange County to verify whether the property is connected to public utilities or uses a private well and septic system.
  • Even though the **EPA radon zone for Orange County** is the lowest-risk category, the only way to know the level in a specific home is to perform a radon test.
  • Could not be determinedParcel water and wastewater service status is unrecorded: The Florida Water Management Inventory matched this parcel by id, but records both drinking-water service (dw_service) and wastewater service (ww_service) as "NA" — the inventory carries no determination of whether the property is on public water/sewer or on well and septic. County source vintage 2023.
    Medium confidence
    view

Findings

Hazard

6 records here · 1 at determination grade · 5 by a screening method

Interpretation
Tension
Low · derived

Two records pull against each other on how much water is at this location. The exact FEMA NFHL polygon overlay places the address in unshaded Zone X, "AREA OF MINIMAL FLOOD HAZARD" — outside even the 0.2%-annual-chance floodplain — while the NWI screen finds an impounded "Freshwater Pond" (PUBH) mapped in most of the cells covering the parcel, and the future-land-use screen returns "Water" for those same cells. The disagreement is a property of the sources' spatial support, not of the ground: NFHL is an exact polygon test at the point, whereas NWI and FLU are H3 coverages whose cells are far larger than this small lot, so an adjoining subdivision pond can dominate a cell without lying on the lot. The two are reconcilable — a house sited beside a stormwater pond that is itself outside the regulatory floodplain. An Elevation Certificate or a parcel-level survey would settle where the water's edge sits relative to the lot line.

Builds on: obs_0000, obs_0011, obs_0014

Interpretation
Tension
Medium · derived

The hazard picture differs sharply by spatial support. At the parcel, the exact NFHL overlay returns the mildest flood class FEMA publishes, yet the tract-level FEMA National Risk Index rates the containing tract "Very High" composite risk near the top of the national distribution, with "Very High" expected annual loss. These are not measuring the same thing: the NRI composite is driven substantially by the value and density of exposed buildings and population across the whole tract, so a high-value, densely built suburban tract scores high on exposure even where the parcel's own mapped flood hazard is minimal. Neither record overrides the other — the NFHL result speaks to this lot's regulatory flood class, the NRI result to the tract's aggregate loss exposure across all perils.

Builds on: obs_0000, obs_0002

Terrain

1 record here · 1 by a screening method

Fiscal

1 record here · 1 by a screening method

Interpretation
For your plan
Medium · derived

The recorded tax figure is explicitly a county-wide floor that excludes municipal, MSTU and CDD millage and all non-ad-valorem assessments, and it reflects the current owner's capped taxable value rather than a buyer's post-sale basis. For anyone reading this as the property's carrying cost, that distinction bears directly on the number: the full levy for this parcel is obtainable from the Orange County tax collector's own parcel record, which is the only source that would capture the sub-county line items the estimate leaves out.

Builds on: obs_0003

Property

1 record here · 1 by a screening method

Environmental

4 records here · 4 by a screening method

Interpretation
Taken together
Medium · derived

Three records together describe a drainage setting that is engineered rather than natural: SSURGO maps the whole parcel footprint as Immokalee fine sand, poorly drained, hydrologic group B/D; NWI maps an impounded permanently-flooded pond (Cowardin PUBH — the "diked/impounded" class) in the cells covering the parcel; and the nearest NHD flowline is an "ArtificialPath" carrying flow through a waterbody rather than a natural stream channel. Group B/D specifically means the soil performs as well-drained group B only where artificial drainage is provided. Taken together the records point to a site whose drainage depends on constructed stormwater infrastructure — which is what the "None" stream-overbank flood-frequency rating does not speak to.

Builds on: obs_0011, obs_0012, obs_0013

Access

1 record here · 1 by a screening method

Infrastructure

3 records here · 2 by a screening method · 1 could not be determined

Demographics

1 record here · 1 by a screening method

Soils

1 record here · 1 by a screening method

Land use

1 record here · 1 by a screening method

Data methodology & limitations

  • Scan bounded to this layer's `state='FL'` hive partition — reported values (counts, distances, areas, shares) reflect features stored under that partition value only; features stored under other partition values were not scanned. Applies to: FEMA NFHL Flood Hazard Zones (Polygons), DFIRM panel 12095C, catalog version 2026.04 (obs_0000).
  • Values are survey ESTIMATES with published margins of error (e.g. ACS 5-year), not counts; small-area estimates can carry wide uncertainty. Confidence is banded from the published reliability (coefficient of variation). Applies to: US Census ACS 5-year — Block Groups, catalog version 2024.01 (obs_0010).
  • radon_zone is an ORDINAL class (1 > 2 > 3 in designated potential), never a quantity. PERMITTED: thresholding (e.g. zone = 1), comparing two counties' designations, counting counties by zone, and reporting the designation verbatim. FORBIDDEN: averaging, summing, interpolating, area-weighting or population-weighting zones, computing an 'expected pCi/L' from them, or unifying them with any other radon vocabulary — a county half Zone 1 and half Zone 3 is not Zone 2, and the pCi/L bands are class-definition TEXT carrying EPA's own 'may', not numeric bounds. This is a 1993 SCREENING designation, never a measurement of any building. Applies to: EPA Map of Radon Zones — County Designations (1993) (obs_0007).
  • USFWS NWI is a reconnaissance-level wetland INVENTORY, not a jurisdictional wetland delineation: a hit is a SCREENING signal only, and a no-hit is NOT proof of 'no wetland' (NWI imagery can be decades old, and post-Sackett the CWA WOTUS definition can differ from NWI). Commission a field delineation for the exact, regulatory answer. This layer publishes NO geometry column — every row is located only by an H3 cell index, at resolution r10 or coarser. A match therefore means the subject falls in a cell the mapped feature was indexed into; it does NOT mean the feature overlaps the subject, and these bytes cannot tell those two cases apart. A cell at this resolution can be larger than an entire residential parcel, so a whole parcel can sit inside one cell the feature never touches. Confirm any overlap against a geometry-bearing source before reporting it as a fact about the subject. Applies to: USFWS National Wetlands Inventory (FL partitions), via H3 r7–r10 coverage (obs_0011).
  • This layer publishes NO geometry column — every row is located only by an H3 cell index, at resolution r10 or coarser. A match therefore means the subject falls in a cell the mapped feature was indexed into; it does NOT mean the feature overlaps the subject, and these bytes cannot tell those two cases apart. A cell at this resolution can be larger than an entire residential parcel, so a whole parcel can sit inside one cell the feature never touches. Confirm any overlap against a geometry-bearing source before reporting it as a fact about the subject. Applies to: US SSURGO Soils (USDA NRCS gSSURGO FY2026), FL partitions, Florida Future Land Use (FGDL FLU L2 2020) (obs_0013, obs_0014).
  • This layer publishes NO geometry column — every row is located only by an H3 cell index, at resolution r8 or coarser. A match therefore means the subject falls in a cell the mapped feature was indexed into; it does NOT mean the feature overlaps the subject, and these bytes cannot tell those two cases apart. A cell at this resolution can be larger than an entire residential parcel, so a whole parcel can sit inside one cell the feature never touches. Confirm any overlap against a geometry-bearing source before reporting it as a fact about the subject. Applies to: FCC Broadband Fixed Availability (US, native H3 r8) (obs_0015).
  • NFIP paid claims are INSURED, CLAIMED, PAID losses aggregated to an arbitrary reporting bin. PERMITTED: reading a county's counts and nominal dollar totals as published, comparing a county's window band to its own cumulative history, and thresholding counts. FORBIDDEN: treating a county figure as a site or property statistic; ranking counties against each other (no exposure denominator is published); dividing any column here by any column of nfip_penetration_county (a cumulative flow over an instantaneous stock, with no shared exposure period and no comparable numerator); redistributing values within a county; and reading absence or a low count as evidence of low flood risk. Applies to: NFIP Flood-Insurance Paid Claims — County Totals, catalog version 2026-08-03 (obs_0017).
  • Map geometries are rounded for display; finding metrics are computed on full-precision data.
  • The basemap is for orientation only; evidence geometry governs the finding.
Report details & data sources

Report rpt_a04112709079

model claude-opus-5 · catalog 1

Layers: US Census ACS 5-year — Block Groups, EPA FRS Environmental Sites (US), EPA Map of Radon Zones — County Designations (1993), FCC Broadband Fixed Availability (US, native H3 r8), FEMA NFHL Flood Hazard Zones (Polygons), FEMA National Risk Index — Census Tracts, Florida Future Land Use (FGDL FLU L2 2020), Florida Property-Tax Millage — Counties (Ad Valorem), Florida Per-Parcel Road Access: Frontage + Landlocked Screen (TIGER), Florida Per-Parcel Terrain: Ground Elevation + Slope (USGS 3DEP), Florida Statewide Parcels (FDOR Cadastral), Florida Sinkhole / Subsidence Incidents (FGS), Florida Per-Parcel Transmission Corridor Encumbrance Screen (HIFLD), NFIP Flood-Insurance Paid Claims — County Totals, USGS NHDPlus HR Surface Flowlines, USFWS National Wetlands Inventory, NOAA/SPC Severe Convective Storm Reports (hail / wind / tornado), US SSURGO Soils (USDA NRCS gSSURGO FY2026), US Unified School Districts

Standard method limitations are listed once in “Data methodology & limitations” above.

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