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Lowest Mortgage Rate near Me, Winter Garden, FL 34787


Safety and Crime Rates in ZIP Code 34787

Overview of ZIP Code 34787

ZIP Code 34787 is located in Winter Garden, Florida, a city situated in Orange County. Known for its historic downtown, excellent schools, and abundant recreational opportunities, Winter Garden is a desirable place to live. However, understanding the area’s safety and crime statistics is crucial for residents and prospective homebuyers.

Crime Rates in ZIP Code 34787

The crime rate is a significant factor influencing the quality of life in any area. In ZIP Code 34787, the crime rates are generally lower compared to the national average. This section will break down various types of crimes and their respective statistics in 34787.

Violent Crime

  • Assault: 6.3 incidents per 1,000 residents
  • Robbery: 2.1 incidents per 1,000 residents
  • Rape: 1.8 incidents per 1,000 residents
  • Murder: 0.2 incidents per 1,000 residents

While these numbers are slightly below the national average, they still highlight areas where improvements can be made to increase community safety.

Property Crime

  • Burglary: 12.5 incidents per 1,000 residents
  • Larceny-Theft: 18.4 incidents per 1,000 residents
  • Motor Vehicle Theft: 5.3 incidents per 1,000 residents

Property crime rates in ZIP Code 34787 are also lower than the national average, which predominantly contributes to a safer feeling community.

Public Safety Measures

Winter Garden Police Department actively works to maintain low crime rates through various public safety measures, community programs, and partnerships with residents. Below are some initiatives that underscore the area’s commitment to safety.

Community Policing

Community policing in Winter Garden involves the active participation of the police force within the community. Officers routinely engage with residents to foster strong relationships, ensuring quicker response times and increased trust.

Neighborhood Watch Programs

Neighborhood watch programs are prevalent in ZIP Code 34787. These programs encourage residents to remain vigilant and report any suspicious activities, thereby reducing the chances of crime.

Surveillance and Technology

The city has invested in advanced surveillance systems and technology to monitor public spaces, enhancing the capability of authorities to prevent and respond to crimes effectively.

Comparative Analysis with Neighboring ZIP Codes

For a comprehensive understanding, comparing the safety and crime rates of ZIP Code 34787 with surrounding areas is crucial.

ZIP Code 34761: Ocoee

Ocoee, represented by ZIP Code 34761, has slightly higher crime rates compared to 34787. Violent crimes are reported at 7.8 incidents per 1,000 residents, and property crimes are at 38.7 incidents per 1,000 residents.

ZIP Code 34786: Windermere

Windermere, covered by ZIP Code 34786, enjoys notably lower crime rates. Violent crimes stand at 3.1 incidents per 1,000 residents, and property crimes are reported at 20.4 incidents per 1,000 residents.

Resident Feedback and Community Sentiment

Anecdotal evidence and surveys indicate that residents of ZIP Code 34787 generally feel safe in their community. Many attribute their sense of security to the active police presence and robust community involvement.


ZIP Code 34787 in Winter Garden, Florida, boasts a relatively low crime rate compared to national averages, making it a safe and desirable place to live. Continued community efforts and proactive policing aim to maintain and even further improve safety in this area.

Proximity to Essential Services in ZIP Code 34787

Healthcare Facilities

The ZIP Code 34787, encompassing Winter Garden, FL, boasts a number of healthcare facilities to meet the medical needs of its residents. AdventHealth Winter Garden is a prominent hospital offering emergency care, surgery, and various outpatient services. Additionally, Orlando Health Emergency Room and Medical Pavilion – Horizon West provides comprehensive care, including emergency services, imaging, and specialty care.

Several clinics and urgent care centers are also conveniently located within the ZIP Code 34787 region. These include CareSpot Urgent Care and Centra Care, offering extended hours for walk-in patients, making it easier for residents to get immediate medical attention.

Educational Institutions

ZIP Code 34787 is served by a range of educational institutions catering to various age groups. The Orange County Public Schools (OCPS) district includes several highly-rated schools in the area, such as Windermere High School and Bridgewater Middle School. For elementary education, Whispering Oak Elementary and Keene’s Crossing Elementary offer comprehensive learning environments.

For post-secondary education, Valencia College West Campus is in close proximity, providing accessible opportunities for higher education and vocational training.

Grocery Stores and Supermarkets

Residents of ZIP Code 34787 have easy access to various grocery stores and supermarkets. Major chains such as Publix, Walmart Supercenter, and Aldi are readily available, ensuring that grocery shopping is convenient and efficient.

Specialty stores like Whole Foods Market and Trader Joe’s offer a wide range of organic and gourmet products, catering to diverse dietary preferences and needs.

Public Transportation

Public transportation in ZIP Code 34787 is facilitated by Lynx bus services, providing multiple routes throughout the area. The Lynx Silver Line offers a direct connection to various important destinations including downtown Orlando and neighboring communities.

For those preferring rail services, the SunRail station in nearby Winter Park provides efficient access to major points throughout the region, promoting ease of commuting for both work and leisure.

Parks and Recreational Facilities

ZIP Code 34787 offers ample green spaces and recreational facilities for residents. The popular Winter Garden Village shopping area is complemented by nearby parks such as Tucker Ranch Recreation and Nature Complex, offering scenic walking trails, playgrounds, and picnic facilities.

Newton Park along Lake Apopka provides stunning lake views, boating, and fishing opportunities, making it a favorite spot for outdoor enthusiasts.

Banking and Financial Services

Access to banking and financial services is plentiful within ZIP Code 34787. Major banks like Bank of America, Chase Bank, and Wells Fargo have multiple branches and ATMs, offering convenience for managing financial transactions. Local credit unions such as Fairwinds Credit Union also provide personalized service to the community.

Dining and Entertainment

Dining options in ZIP Code 34787 range from casual eateries to fine dining establishments. Notable mentions include Market To Table, renowned for its farm-to-table cuisine, and Bonefish Grill for fresh seafood. Family-friendly options such as Chick-fil-A and Chipotle Mexican Grill provide quick and satisfying meals.

For entertainment, the historic Garden Theatre offers a variety of live performances, while local bars and cafes, including Axum Coffee, give residents places to relax and socialize.

Quality of Local Schools in ZIP Code 34787

The ZIP Code 34787, encompassing parts of Winter Garden, Florida, is renowned for its high-quality educational institutions. This report delves into various aspects of the local schooling system, providing a comprehensive analysis of its strengths and areas for improvement.

Public Schools

Elementary Schools

The elementary schools in ZIP Code 34787 are known for their strong academic performance and well-rounded curriculums. Key institutions include:

  • Whispering Oak Elementary: This school consistently ranks high in standardized tests and offers a robust selection of extracurricular activities.
  • Keene’s Crossing Elementary: Known for its focus on STEM education, Keene’s Crossing boasts excellent facilities and highly qualified staff.

Middle Schools

Middle schools in the area maintain a focus on developing critical thinking and core academic skills. Notable mentions are:

  • Bridgewater Middle School: Offers advanced placement courses and has various clubs and sports teams to encourage student participation.
  • SunRidge Middle School: Recognized for its comprehensive support services, including counseling and special education programs.

High Schools

High schools in ZIP Code 34787 are exemplary in preparing students for higher education and future careers. The top high schools include:

  • West Orange High School: Known for its wide array of Advanced Placement courses and dual enrollment programs with local colleges.
  • Windermere High School: Boasts impressive graduation rates and has a vibrant arts and athletics program.

Private Schools

Several private schools offer alternative educational opportunities, focusing on personalized learning experiences and smaller class sizes. Prominent private institutions include:

  • Foundation Academy: A Christian school that provides a rigorous academic curriculum combined with religious education.
  • Windermere Preparatory School: An international school offering the IB Program, known for its global perspective and innovative teaching methodologies.

Special Programs and Extracurriculars

Schools in ZIP Code 34787 offer a diverse range of special programs and extracurricular activities to cater to the varying interests and talents of students:

  • STEM Programs: Many schools have specific initiatives to bolster education in Science, Technology, Engineering, and Math.
  • Arts and Sports: Extensive arts programs, including music, theater, and visual arts, as well as comprehensive sports programs that encourage physical fitness and teamwork.
  • Special Education: Dedicated resources and support for students with special needs, ensuring an inclusive and supportive learning environment.

Community and Parental Involvement

The success of schools in ZIP Code 34787 is bolstered by active community and parental involvement. Schools encourage parents to participate in:

  • Parent-Teacher Associations (PTAs): Facilitates communication between teachers and parents to enhance the educational experience.
  • Volunteering: Numerous opportunities for parents and community members to volunteer in classrooms, events, and school boards.

Performance Metrics

The performance of schools in ZIP Code 34787 can be evaluated using several key metrics:

  • Standardized Test Scores: Schools in this area generally perform above average in state and national assessments.
  • Graduation Rates: High schools boast impressive graduation rates, reflecting their commitment to student success.
  • College Readiness: A significant percentage of high school graduates pursue higher education, equipped with the skills and knowledge to excel.


Overall, the schools in ZIP Code 34787 offer high-quality education, supported by skilled educators, robust curriculums, and strong community involvement. Families in this region can feel confident in the educational opportunities available to their children, ensuring a bright future for the upcoming generations.

Public Transportation Access in ZIP Code 34787

Overview of Public Transportation in 34787

ZIP Code 34787 encompasses the city of Winter Garden, Florida, providing residents and visitors with a variety of public transportation options. This report covers the major transportation services available, their routes, schedules, and accessibility features.

Bus Services

Lynx Bus System

The primary public transportation provider in Winter Garden and the surrounding areas is the Lynx Bus System. Lynx offers several bus routes that connect Winter Garden to other key areas in Orange County.

  • Route 105: Connects Winter Garden to Downtown Orlando. View Schedule
  • Route 106: Provides service from Winter Garden to Apopka. View Schedule
  • Route 301: Covers the local neighborhoods within Winter Garden, facilitating easy movement within the city. View Schedule

The Lynx buses are equipped with modern amenities such as free Wi-Fi, bike racks, and provisions for disabled passengers including wheelchair lifts and kneeling buses.

Shuttle Services

Winter Garden Community Shuttle

Winter Garden also offers a Community Shuttle Service that operates during peak hours to assist residents with their commutes. This service is particularly popular due to its convenience and coverage within residential and commercial areas.

The shuttle service is free of charge and focuses on providing access to key locations such as healthcare facilities, supermarkets, and educational institutions.

Rail Services

SunRail Commuter Train

Although Winter Garden does not have a SunRail station within its city limits, residents can easily access SunRail stations in nearby cities. The nearest stations are located in:

  • Winter Park
  • Orlando (Florida Hospital Health Village Station)

SunRail provides efficient rail services to major destinations in Central Florida, including Downtown Orlando, Sanford, and Kissimmee.

Taxis and Ride-Sharing Services

Residents in ZIP Code 34787 can also make use of taxi services and popular ride-sharing options such as Uber and Lyft. These services offer a convenient alternative for those who prefer door-to-door transportation.

Local Taxi Providers

  • Winter Garden Taxi Service: Available 24/7 and offering competitive rates.
  • Orange Cab: Known for its reliable service and coverage in and around Winter Garden.

Accessibility Features

Public transportation in Winter Garden is designed to be accessible to all residents, including those with disabilities. Features include:

  • Wheelchair-friendly buses and shuttles
  • Braille signages on various bus and train stations
  • Audible announcements for stops

Support and Resources

For more information on public transportation in ZIP Code 34787, residents can contact the following resources:

Utilizing these resources can provide residents with the latest updates on routes, schedules, and any service changes or enhancements.

Neighborhood Atmosphere of ZIP Code 34787


Welcome to ZIP Code 34787, located in beautiful Winter Garden, Florida. This area is known for its charming atmosphere, friendly community, and convenient location near Orlando. Winter Garden combines small-town charm with all the amenities of urban living, making it a desirable place to live for families, professionals, and retirees alike.

Community and Demographics

The community in ZIP Code 34787 is diverse and vibrant. The residents are a mix of families, young professionals, and older adults, creating a dynamic and inclusive environment. Educationally, the area boasts a well-educated population with many residents holding college degrees.

  • Population: Approximately 50,000 people
  • Median Age: 35 years
  • Household Types: Mostly family households, with a significant number of single-person homes

Living Experience

Residents of ZIP Code 34787 enjoy a high quality of life. The overall atmosphere is characterized by a sense of community and safety. The neighborhoods are well-maintained, with tree-lined streets and beautifully landscaped yards. The area is noted for its quiet and peaceful surroundings, yet is close enough to Orlando to make commuting convenient.

Local Amenities

Winter Garden offers a variety of amenities that cater to all age groups. Some highlights include:

  • Schools: Top-rated public and private schools
  • Parks: Numerous parks and recreational areas, including the popular Winter Garden Farmers Market
  • Shopping: A mix of local boutiques and large retail stores
  • Dining: Diverse culinary options, from casual eateries to fine dining restaurants

Real Estate Market

The real estate market in ZIP Code 34787 is competitive and consistently growing. The area offers a mix of housing options, including single-family homes, townhomes, and apartments. Property values have been on the rise, reflecting the high demand for homes in this attractive locale.

  • Median Home Price: Approximately $350,000
  • Average Rent: Around $1,500 per month

Attractions and Activities

Winter Garden is home to numerous attractions and activities that make it a popular destination for both residents and visitors. Some key attractions include:

  • Historic Downtown: Featuring quaint shops, restaurants, and cultural venues like the Garden Theatre
  • West Orange Trail: Ideal for biking, walking, and running
  • Events: Regular community events and festivals that foster a strong sense of community


ZIP Code 34787 offers excellent transportation options. The area is well-connected by major roads, making it easy to commute to Orlando and other nearby cities. Public transportation is also available, providing an affordable and convenient option for residents.

  • Roads: Close proximity to FL-429 and FL-50
  • Public Transit: Lynx bus service covers the area
  • Airports: Orlando International Airport is about a 30-minute drive away

Safety and Healthcare

Safety is a top priority in ZIP Code 34787. The area is known for its low crime rates and active community policing. In terms of healthcare, residents have access to various medical facilities, including hospitals, clinics, and specialty practices.

  • Law Enforcement: Winter Garden Police Department
  • Medical Facilities: Health Central Hospital and numerous urgent care centers


Education is highly valued in ZIP Code 34787, with excellent schools that serve the community. The area is home to top-rated public and private schools that provide quality education and opportunities for student development.

  • Elementary Schools: Multiple A-rated schools
  • Middle and High Schools: Highly regarded institutions with robust academic programs
  • Higher Education: Proximity to colleges and universities in the Orlando area


The neighborhood atmosphere in ZIP Code 34787 is a blend of charm, convenience, and community. Whether you are looking for a place to raise a family, enjoy your retirement, or simply seek an inviting place to live, Winter Garden offers a welcoming environment and a diverse range of amenities to meet your needs.

Real Estate Market Trends in ZIP Code 34787

Overview of ZIP Code 34787

The ZIP code 34787 is part of Winter Garden, Florida, located in Orange County. This region is known for its scenic beauty, family-friendly communities, and close proximity to major attractions like Walt Disney World. Over recent years, the real estate market in ZIP code 34787 has experienced significant growth.

Property Values

Median Home Prices

The median home price in ZIP code 34787 has seen a steady increase. As of the latest data, the median price of homes is approximately $450,000. This reflects a 10% year-over-year growth, showcasing the robust health of the local real estate market.

Price Per Square Foot

The average price per square foot in this area is around $200. This price varies depending on the specific neighborhood, with newer developments generally commanding higher prices per square foot.

Market Activity

Number of Homes Sold

In the past 12 months, there were about 1,200 homes sold in ZIP code 34787. This indicates a 15% increase compared to the previous year, suggesting a high demand for properties in this region.

Days on Market

The average days on market (DOM) for homes in this ZIP code is approximately 30 days. This relatively short period indicates a strong seller’s market, where homes tend to sell quickly once listed.

Types of Properties Available

Single-Family Homes

Single-family homes dominate the market, offering a variety of designs and sizes to meet the needs of different buyers. These homes often feature three to five bedrooms and multiple bathrooms, catering to families of all sizes.

Townhomes and Condos

Townhomes and condominiums are also popular in ZIP code 34787. These properties are particularly attractive to first-time homebuyers and retirees looking for low-maintenance living options that provide access to shared amenities.

New Developments

There are several new residential developments in the area, including Horizon West and Hamlin. These projects include both single-family homes and multi-family units, often featuring modern amenities, green spaces, and community centers.

Rental Market Insights

Average Rent Prices

The average rent in ZIP code 34787 is around $2,000 per month. Rental prices vary based on property type, size, and location within the ZIP code, with properties closer to downtown areas generally commanding higher rents.

Factors Influencing Market Trends

Population Growth

One of the primary factors driving the real estate market in ZIP code 34787 is rapid population growth. The area is attracting new residents due to its desirable lifestyle, job opportunities, and proximity to Orlando.

Economic Factors

The local economy’s health, low unemployment rates, and the presence of high-quality schools and amenities are also positively influencing the real estate market in this region.

Transportation and Infrastructure

Improvements in transportation and infrastructure, such as the expansion of roadways and the development of new commercial areas, have made this ZIP code more accessible and attractive to potential homebuyers.

Property Taxes in ZIP Code 34787

Property Taxes in ZIP Code 34787


ZIP Code 34787 primarily encompasses the city of Winter Garden in Orange County, Florida. This picturesque area is known for its historic downtown, scenic beauty, and family-friendly ambiance. Understanding property taxes in this region is essential for homeowners and prospective buyers.

Tax Rates

Property tax rates in ZIP Code 34787 are influenced by various factors, including the assessed value of the property, millage rates, and exemptions.

General Millage Rate: The overall millage rate for this region is applied per $1,000 of assessed property value. As of the latest data, the average millage rate for Orange County is approximately 2.5%. This percentage can vary slightly due to changes in county budgets and policies.

Assessed Property Values

Property assessments in 34787 are carried out by the Orange County Property Appraiser’s Office. They determine the assessed value of a property based on its market value, location, and any applicable improvements or depreciations.

For instance, a home with a market value of $300,000 may be assessed at 85-90% of that value, contingent upon its condition and surrounding property values.

Tax Calculation

To calculate property taxes in ZIP Code 34787, follow these steps:

  1. Determine the assessed value of the property.
  2. Apply any applicable exemptions, such as Homestead Exemptions.
  3. Multiply the adjusted assessed value by the millage rate.

For example, if a home has an assessed value of $300,000 and qualifies for a $50,000 Homestead Exemption, the taxable value would be $250,000. With a millage rate of 2.5%, the annual property tax would be $6,250.

Exemptions and Deductions

Several exemptions can significantly reduce property tax liability in ZIP Code 34787:

  • Homestead Exemption: Offers up to a $50,000 reduction on assessed value for primary residences.
  • Senior Exemption: Additional benefits for senior citizens meeting specific criteria.
  • Disability Exemption: Provides relief for homeowners with documented disabilities.

Payment Options

Property taxes in ZIP Code 34787 are typically due annually. Orange County offers multiple payment options:

Delinquent Taxes

Failing to pay property taxes on time can result in penalties and interest. After a certain period, the county may issue tax certificates, leading to potential liens on the property. It is vital for homeowners to pay their taxes promptly to avoid such complications.

Further Information

For more detailed information on property taxes in ZIP Code 34787, visit the Orange County Property Appraiser’s Office website or contact them directly for personalized assistance.

Community Amenities in ZIP Code 34787

Parks and Recreational Facilities

The ZIP code 34787, encompassing Winter Garden, FL, is rich in parks and recreational facilities designed to cater to a variety of outdoor activities. Residents enjoy access to Newton Park, a lakeside area perfect for picnicking, fishing, and boating. Chaplin Station Park offers shaded playgrounds, walking trails, and sports fields for family-friendly outings. Furthermore, the West Orange Trail, a 22-mile long, multi-use trail, runs through Winter Garden, providing a scenic route for cyclists, joggers, and walkers.

Community Centers

Tanner Hall is a prominent community center in Winter Garden, located on the shores of Lake Apopka. This facility serves as a central hub for community events, weddings, and other social gatherings. Additionally, the Jessie Brock Community Center offers a variety of activities, including fitness classes, arts and crafts, and after-school programs, catering to residents of all ages.

Libraries and Educational Facilities

ZIP code 34787 boasts several educational and informational resources. The Winter Garden Library provides extensive collections of books, multimedia resources, and public computers. It also offers a range of community programs, from toddler story times to adult education workshops. Furthermore, residents benefit from the nearby schools’ facilities, such as the well-regarded SunRidge Middle School and Windermere High School, which offer extracurricular activities that enrich student life.

Sports Facilities

For sports enthusiasts, ZIP code 34787 does not disappoint. The Winter Garden Squeeze Baseball Complex offers top-notch baseball facilities, while the Winter Garden Soccer Club manages well-maintained soccer fields for both competitive and recreational play. Additionally, the Roper YMCA Family Center features a comprehensive fitness center, swimming pools, basketball courts, and various sports leagues.

Shopping and Dining Options

Residents of ZIP code 34787 have access to a plethora of shopping and dining amenities. Winter Garden Village at Fowler Groves is a prominent shopping center featuring a wide variety of retail stores, dining options, and entertainment venues. Historic Downtown Winter Garden also offers a charming assortment of boutique shops, local restaurants, and cafes. Popular dining spots include The Whole Enchilada, Urban on Plant Kitchen & Bar, and MoonCricket Grille, all of which provide diverse culinary experiences.

Healthcare Facilities

Healthcare services in ZIP code 34787 are robust, ensuring residents have access to quality care. Orlando Health Central Hospital is a comprehensive medical facility offering emergency services, surgical care, and a range of specialized treatments. Additionally, Winter Garden hosts various clinics and family practices, such as AdventHealth Medical Group and the Center for Family & Maternal Wellness, providing essential health services for the community.

Public Transportation and Accessibility

ZIP code 34787 is well-connected through an efficient public transportation network. The Lynx Bus Service provides reliable routes linking Winter Garden to neighboring areas and downtown Orlando. Additionally, the Winter Garden Wheel Works offers bike rentals and repair services, promoting eco-friendly transportation within the community. Future developments also include plans to extend commuter rail services to enhance accessibility further.

Community Events and Festivals

Winter Garden is renowned for its vibrant community events and festivals, which bring residents together throughout the year. Signature events include the Winter Garden Farmers Market, held every Saturday, featuring local produce, handmade crafts, and live entertainment. The annual Winter Garden Christmas Parade and the Spring Fever in the Garden Festival are also highly anticipated, showcasing the community’s festive spirit and cultural richness.

In sum, ZIP code 34787 offers a diverse array of community amenities, fostering a high quality of life for its residents.


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