10116 Armando Cir, Orlando, FL 32825 Property Records

Orange County property record for 10116 Armando Cir, Orlando, FL 32825

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,753 sqft · built 2012
Lot Size	0.126 acres (5,504 sqft)
Owner	Individual Name on File
Last Sale	$280,000 (May 2018)
Tax Bill	$594 (2025)
Deeds & Mortgages	Mar 2022 Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`32-22-31-8700-00-720`

Property Details

APN / Parcel Number

Primary APN	`32-22-31-8700-00-720`
Alternative APNs	`312232870000720` `617824` `624127` `628928`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,753 sqft Living Area
Gross Area	2,288 sqft
1st Floor Area	1,753 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,504 sqft (0.126 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	115 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10116 ARMANDO CIR
City	ORLANDO
State	FL
Zip	32825-7702
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	TIERRA BELLA SUBDIVISION 75/72 LOT 72
Legal Range	31E
Legal Township	22S
Legal Section	32
Legal Subdivision	TIERRA BELLA SUB
Legal Tract	8700
Legal Lot Number	72
Jurisdiction	ORANGE FL
Township / Civil Division	UNION PARK
Census Block Group	1
Census Block	1015
Census Tract	16717

Owner

10116 Armando Cir is owned and occupied by an individual who bought it in May 2018.

Source: Orange County records, as of May 4, 2026

Owner of Record	Individual Name on File
Mailing Address	10116 ARMANDO CIR, ORLANDO, FL 32825-7702
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2022	Deed of Trust, Mortgage · VA Mortgage PENTAGON FCU
May 5, 2020	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
May 10, 2018	Warranty Deed, Transfer · VA Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 10, 2018 · Amount on File
Deed Sale	May 10, 2018 · Amount on File
Prior Sale	Dec 28, 2012 · Amount on File
Deed Document Number	2018278083
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	10116 ARMANDO CIR, ORLANDO, FL 32825-7702
Transaction Type	Mortgage
Record Updated	Mar 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10116 ARMANDO CIR, ORLANDO, FL 32825-7702

Mortgage

Document Number	0000145485
Date	Mar 3, 2022
Instrument	20220145485

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2052

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	10116 ARMANDO CIR, ORLANDO, FL 32825-7702
Document Number	0000281367
Instrument Date	May 5, 2020
Transaction Type	Mortgage
Record Updated	May 27, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10116 ARMANDO CIR ORLANDO FL 328257702, ORLANDO, FL 32825-7702

Mortgage

Document Number	0000281367
Date	May 14, 2020
Instrument	281367

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 13, 2050

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	May 10, 2018
Property Address	10116 ARMANDO CIR, ORLANDO, FL 32825-7702
Document Number	0000278083
Map Reference	MB 75 PG 72-74
Instrument Date	May 8, 2018
Instrument	20180278083
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	LAUREATE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,960.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	830 MANDERINE ST, 830, MERRITT ISLAND, FL 32953-4656

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10116 ARMANDO CIR, ORLANDO, FL 32825-7702

Mortgage

Document Number	0000278084
Date	May 10, 2018
Instrument	20180278084

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 10116 Armando Cir was $594, up 20.2% from the year before.

Source: Orange County assessment roll, as of April 30, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$249,880 (+2.7%)	$350,510 (-8.19%) Land $75,000 Building $275,510
2025	$594.00 (+20.24%) Homeowner's exemption	$243,311	$381,770 Land $75,000 Building $306,770
2024	$494.00 (+3.78%)
2023	$476.00 (+11.21%) Homeowner's exemption	$229,567 (+3%)	$345,380 (+14.24%) Land $75,000 Building $270,380
2022	$428.00 Homeowner's exemption	$222,881	$302,324 Land $75,000 Building $227,324

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

Flood

FEMA maps place 10116 Armando Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 24 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	24 in force
Nearby Flood Claims	8 (2004–2022)
Claims Outside the SFHA	2 of 8
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Oct 2022 · 3 claims Hurricane Ian, Oct 2022 · 2 claims

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 10116 Armando Cir is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 52% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% 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	OCUD/SOUTHERN WATER SYS (5 WPS) serves 80,738 people · EPA ID FL3484119
Water Source	Groundwater
Last State Inspection	May 2024
Lead	2 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 445 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Xfinity.

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