Is Horizon West in Winter Garden? (2026): City Limits, Taxes, Services & ZIP Codes
The French Café and neighboring shops at Hamlin Town Center in Horizon West, with the yellow Hamlin tower sign, a string-lit pergola and red patio umbrellas.
Image: Jared Jones Team
Quick answer
Mostly no. As of Oct 7, 2026, 23,573 of the 23,914 homes inside Orange County's Horizon West boundary (98.6%) are in unincorporated Orange County, per Orange County Property Appraiser data. Only 341 sit inside Winter Garden city limits, though all carry Winter Garden 34787 or Windermere 34786 ZIP codes.
| Fact | Figure |
|---|---|
| What Horizon West is | An Orange County Special Planning Area: five mixed-use villages and a Town Center surrounded by greenbelts |
| Size | About 20,704 gross acres (11,850 developable acres) |
| Plan adopted | 1995 |
| Homes inside the county's Horizon West boundary | 23,914 |
| Homes in unincorporated Orange County | 23,573 (98.6%) |
| Homes inside City of Winter Garden limits | 341 (1.4%), along the north edge |
| Homes inside Town of Windermere limits | 0 |
| ZIP codes | 34787 (Winter Garden): 16,405 homes; 34786 (Windermere): 7,509 homes |
| Total millage, unincorporated mill code 35 (20,910 homes) | 16.1366 mills |
| Total millage, unincorporated mill codes 75 / 65 (1,774 / 889 homes) | 16.3894 / 16.0858 mills |
| Total millage, inside Winter Garden (341 homes) | 16.2943 mills |
| Law enforcement, unincorporated areas | Orange County Sheriff's Office |
| Fire station example | Orange County Fire Rescue Station 32, 13826 Luna Harvest Ave |
| CDD lines on sampled 2026 tax records | 0 of 60 Horizon West parcels |
| Common 2026 county assessments on sampled parcels | Garbage $430; stormwater $78; street lights $47.64–$290.40 |
| Planning questions | Orange County Planning Division, 407-836-5600 |
Sources: Orange County Planning Division, Horizon West Special Planning Area page (checked Oct 7, 2026); Orange County Property Appraiser parcel data (checked Oct 7, 2026), 2026 non-ad valorem assessments (checked Sep 28, 2026) and 2025 Final Millage; Orange County GIS Horizon West boundary (downloaded Sep 28, 2026); Orange County Fire Rescue and Orange County Newsroom (checked Oct 7, 2026).
Method: home counts are Orange County Property Appraiser parcels with living area and a residential use code whose map point falls inside Orange County's Horizon West boundary layer (downloaded Sep 28, 2026). Parcel data, city codes and mill codes were checked Oct 7, 2026.
Is Horizon West part of the City of Winter Garden?
No. Orange County describes Horizon West as a Special Planning Area in southwest Orange County and calls it the fastest-growing community in unincorporated Orange County. Of the 23,914 homes inside the county's Horizon West boundary, 23,573 (98.6%) sit in unincorporated Orange County, per Orange County Property Appraiser parcel data checked Oct 7, 2026. Only 341 homes, in a strip along the north edge of the planning area, sit inside City of Winter Garden limits. None are inside the Town of Windermere.
Horizon West has no city government of its own. Orange County adopted the concept in 1995, and the county says the area covers about 20,704 gross acres, with 11,850 developable acres, organized as five mixed-use villages and a Town Center surrounded by greenbelts. For the downtown side of the comparison, see Plant Street vs Horizon West.
Cinépolis Luxury Cinemas at Hamlin Town Center in Horizon West, with its stone and stucco facade and brick plaza.
Image: Jared Jones Team
Why do Horizon West homes have Winter Garden or Windermere addresses?
Mailing ZIP codes do not follow city limits. Every one of the 23,914 Horizon West homes in our count carries either a Winter Garden 34787 ZIP (16,405 homes) or a Windermere 34786 ZIP (7,509 homes) on its Property Appraiser record. The mailing city tells the post office where to deliver; it does not tell you which government taxes the home, sets its zoning or answers a 911 call.
That matters when you read listings and market reports. A “Winter Garden” or “Windermere” listing in Horizon West is almost always in unincorporated Orange County, so city figures and ZIP figures describe different areas. Our Horizon West neighborhoods guide maps the villages.
Which property tax rate applies in Horizon West?
Most homes pay the unincorporated Orange County rate. On the Orange County Property Appraiser's 2025 final millage table, mill code 35, which covers 20,910 of the 23,914 Horizon West homes, carried 16.1366 total mills, or about $1,614 per $100,000 of taxable value. Two other unincorporated codes apply to smaller groups: mill code 75 at 16.3894 mills (1,774 homes) and mill code 65 at 16.0858 mills (889 homes). The 341 homes inside Winter Garden city limits pay 16.2943 mills.
These rates leave out flat assessments such as garbage, stormwater, street lights and any CDD. Check the mill code and the non-ad valorem lines on the parcel's Property Appraiser record. Our Winter Garden property taxes guide explains homestead, Save Our Homes and portability.
Who provides local services in Horizon West?
In the unincorporated part, Orange County government does. Zoning and development questions go to the Orange County Planning Division (407-836-5600). Orange County says its Sheriff is the sole provider of law enforcement services in unincorporated Orange County. Orange County Fire Rescue runs Station 32 at 13826 Luna Harvest Ave, inside the Horizon West boundary, with an engine, a rescue unit and a marine unit.
Water, sewer and power providers vary by address, so confirm them with the seller or the utility before closing. Public schools are Orange County Public Schools; confirm the assigned schools for any home with the OCPS school locator. Our school research guide shows how. For the 341 homes inside city limits, City of Winter Garden is the local government, so confirm services with the city.
The Publix at Hamlin Cove in Horizon West, with its light brick facade, dark timber accents and lake and orange-grove mural.
Image: Jared Jones Team
Do Horizon West homes pay CDD or HOA fees?
Most pay an HOA, and the CDD question is parcel by parcel. In a sample of 60 Horizon West parcels across the villages, none showed a CDD line in the 2026 non-ad valorem assessments on the Orange County Property Appraiser record (checked Sep 28, 2026). The common county lines were a $430 garbage charge (59 of 60), a $78 stormwater charge (56 of 60) and street-light charges from $47.64 to $290.40 (57 of 60).
A sample is not a guarantee, so check the exact parcel. HOA dues vary by community; see our HOA fees guide and Horizon West CDD fees guide.
How do you check whether a specific home is inside city limits?
- Look up the parcel on the Orange County Property Appraiser site and read the city and mill code. ORG means unincorporated Orange County; WG means City of Winter Garden.
- Read the 2026 non-ad valorem lines on the same record for garbage, stormwater, street lights and any CDD.
- Ask the HOA for current dues and an estoppel letter.
- Confirm water, sewer and power providers for the address.
- Confirm assigned schools with the OCPS school locator.
Buying or selling in Horizon West? Call or text 407-706-5000 and we will pull the parcel details and comps for the home you are considering.
Frequently asked questions
Is Horizon West in Winter Garden?
Mostly no. Of the 23,914 homes inside Orange County’s Horizon West boundary, 23,573, or 98.6%, sit in unincorporated Orange County, per Orange County Property Appraiser parcel data checked Oct 7, 2026. Only 341 homes along the north edge are inside City of Winter Garden limits, even though many Horizon West homes have Winter Garden mailing addresses.
Is Horizon West a city?
No. Orange County describes Horizon West as a Special Planning Area in southwest Orange County, adopted in 1995, with five mixed-use villages and a Town Center surrounded by greenbelts, covering about 20,704 gross acres. It has no city government of its own, so Orange County handles planning and zoning for the unincorporated part.
Why does my Horizon West address say Winter Garden or Windermere?
Mailing ZIP codes do not follow city limits. Horizon West homes carry either a Winter Garden 34787 ZIP or a Windermere 34786 ZIP, but almost all of them are in unincorporated Orange County. None of the homes in our Oct 7, 2026 count were inside Town of Windermere limits. The parcel record shows the actual jurisdiction.
What property tax rate applies in Horizon West?
Most Horizon West homes are in unincorporated Orange County mill code 35, which carried 16.1366 total mills on the Orange County Property Appraiser’s 2025 final table. Smaller groups pay 16.3894 or 16.0858 mills, and the 341 homes inside Winter Garden city limits pay 16.2943. Flat assessments such as garbage and street lights are added separately.
Do Horizon West homes pay a CDD?
In a sample of 60 Horizon West parcels checked Sep 28, 2026, none showed a CDD line in the 2026 non-ad valorem assessments on the Orange County Property Appraiser record. Most showed county garbage, stormwater and street-light charges instead. A sample is not a guarantee, so check the exact parcel before you write an offer.
Who provides police and fire service in Horizon West?
In unincorporated Horizon West, Orange County says its Sheriff is the sole provider of law enforcement services, and Orange County Fire Rescue runs stations in the area, including Station 32 on Luna Harvest Avenue. For the 341 homes inside Winter Garden city limits, confirm services with the City of Winter Garden.
How can I tell if a Horizon West home is inside Winter Garden city limits?
Look up the parcel on the Orange County Property Appraiser website and read its city and mill code. ORG means unincorporated Orange County, and WG means the City of Winter Garden. The same record lists the 2026 non-ad valorem assessments, including any CDD. Do not rely on the mailing city in a listing.
Sources
- Orange County Planning Division: Horizon West Special Planning Area (checked Oct 7, 2026)
- Orange County Property Appraiser: Parcel records, 2026 non-ad valorem assessments and GIS parcel data (data as of Sep–Oct 2026; checked Sep 28 and Oct 7, 2026)
- Orange County Property Appraiser, 2025 Final Millage Rates
- Orange County GIS: Horizon West Boundary layer (downloaded Sep 28, 2026)
- Orange County Fire Rescue: Station 32 (checked Oct 7, 2026)
- Orange County Newsroom: Orange County Sheriff's Office directory (checked Oct 7, 2026)
- Analysis: Jared Jones Team, Brokered by eXp Realty, Oct 7, 2026
Related Wave 1 guides
- Winter Garden & Horizon West Real Estate (2026) hub
- Plant Street vs Horizon West
- Horizon West Neighborhoods Guide 2026
- Winter Garden Property Taxes Explained (2026)
- Horizon West CDD Fees by Community (2026)
- How Much Are HOA Fees in Winter Garden and Horizon West? (2026)
- How to Research Schools in Winter Garden & Horizon West (2026)
- Winter Garden vs Ocoee (2026)
- Horizon West Real Estate
- Winter Garden Real Estate
Buying or selling in Winter Garden or Horizon West?
Get street-level pricing, an honest commute read and a clear plan to close. Call or text 407-706-5000.