10125 Culpepper Ct, Orlando, FL 32836 Property Records

Orange County property record for 10125 Culpepper Ct, Orlando, FL 32836

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,403 sqft · built 1988
Lot Size	0.275 acres (11,993 sqft)
Owner	Individual Name on File
Last Sale	$675,000 (May 2023)
Tax Bill	$7,517 (2025)
Deeds & Mortgages	Jan 2026 Mortgage May 2023 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`03-24-28-7841-00-170`

Property Details

APN / Parcel Number

Primary APN	`03-24-28-7841-00-170`
Alternative APNs	`282403784100170` `301631` `306480` `310651`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,403 sqft Living Area
Gross Area	3,152 sqft
1st Floor Area	2,403 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1992
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,993 sqft (0.275 acres)
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	245 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10125 CULPEPPER CT
City	ORLANDO
State	FL
Zip	32836-6340
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	SAND LAKE POINT UNIT 1 20/69 LOT 17
Legal Range	28E
Legal Township	24S
Legal Section	03
Legal Subdivision	SAND LAKE POINT UT 1
Legal Tract	7841
Legal Block	P
Legal Lot Number	17
Legal Unit	1
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1016
Census Tract	17122

Owner

10125 Culpepper Ct is owned and occupied by an individual who bought it in May 2023.

Source: Orange County records, as of April 30, 2026

Owner of Record	Individual Name on File
Mailing Address	10125 CULPEPPER CT, ORLANDO, FL 32836-6340
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

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
Jan 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
May 8, 2023	Deed of Trust, Mortgage · Conventional Mortgage LEADER ONE FINANCIAL CORP
Jan 18, 2017	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 8, 2023 · Amount on File
Deed Sale	May 8, 2023 · Amount on File
Prior Sale	Jan 18, 2017 · Amount on File
Deed Document Number	2023260979
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	10125 CULPEPPER CT, ORLANDO, FL 32836-6340
Transaction Type	Mortgage
Record Updated	Jan 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10125 CULPEPPER CT, ORLANDO, FL 32836-6340

Mortgage

Document Number	0000000231
Date	Jan 2, 2026
Instrument	20260000231

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2056

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	10125 CULPEPPER CT, ORLANDO, FL 32836-6340
Transaction Type	Mortgage
Record Updated	May 26, 2023
Title Company	WATSON TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9323 WESTOVER CLUB CIR, WINDERMERE, FL 34786-6231

Mortgage

Document Number	0000260980
Date	May 8, 2023
Instrument	20230260980

Lender

Name	LEADER ONE FINANCIAL CORP
Type	Mortgage Company
Address	OVERLAND PARK, KS 66210

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jan 18, 2017
Property Address	10125 CULPEPPER CT, ORLANDO, FL 32836-6340
Document Number	0000031979
Map Reference	MB 20 PG 69-71
Instrument Date	Jan 11, 2017
Instrument	20170031979
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	SUNBELT TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,793.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10332 NEWINGTON DR, 10332, ORLANDO, FL 32836-3743

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10125 CULPEPPER CT, ORLANDO, FL 32836-6340

Mortgage

Document Number	0000031980
Date	Jan 18, 2017
Instrument	20170031980

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 10125 Culpepper Ct was $7,517, up 4.4% 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		$474,811 (+2.7%)	$577,680 (-1.53%) Land $120,000 Building $457,680
2025	$7,517.00 (+4.42%) Homeowner's exemption	$462,328	$586,670 Land $120,000 Building $466,670
2024	$7,199.00 (+23.38%)
2023	$5,835.00 (+3.79%) Homeowner's exemption	$380,267 (+3%)	$534,154 (+21.73%) Land $120,000 Building $414,154
2022	$5,622.00 Homeowner's exemption	$369,191	$438,810 Land $120,000 Building $318,810

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

Flood

FEMA maps place 10125 Culpepper Ct in Zone X, an area of moderate 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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 124 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	283 units insured incl. 159 condo units
Nearby Flood Claims	2 (2013–2022)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2022 · Hurricane Ian

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 10125 Culpepper Ct is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	ORLANDO UTILITIES COMMISSION serves 536,466 people · EPA ID FL3480962
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2019
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 133 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Spectrum Cable	1,000 / 35

May also be available: T-Mobile.

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