10145 Armando Cir, Orlando, FL 32825 Property Records

Orange County property record for 10145 Armando Cir, Orlando, FL 32825

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,316 sqft · built 2013
Lot Size	0.126 acres (5,499 sqft)
Owner	Individual Name on File
Last Sale	$549,900 (May 2026)
Tax Bill	$4,226 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Jul 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`32-22-31-8700-00-340`

Property Details

APN / Parcel Number

Primary APN	`32-22-31-8700-00-340`
Alternative APNs	`312232870000340` `617778` `624082` `628881`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,316 sqft Living Area
Gross Area	3,019 sqft
1st Floor Area	1,575 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,499 sqft (0.126 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	172 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	10145 ARMANDO CIR
City	ORLANDO
State	FL
Zip	32825-7725
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	TIERRA BELLA SUBDIVISION 75/72 LOT 34
Legal Range	31E
Legal Township	22S
Legal Section	32
Legal Subdivision	TIERRA BELLA SUB
Legal Tract	8700
Legal Lot Number	34
Jurisdiction	ORANGE FL
Township / Civil Division	UNION PARK
Census Block Group	1
Census Block	1011
Census Tract	16717

Owner

10145 Armando Cir is owned and occupied by an individual who bought it in May 2026.

Source: Orange County records, as of May 12, 2026

Owner of Record	Individual Name on File
Mailing Address	10145 ARMANDO CIR, ORLANDO, FL 32825-7725
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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
May 4, 2026	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CTR
Jul 19, 2017	Deed of Trust, Mortgage · VA Mortgage USAA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2026 · Amount on File
Deed Sale	May 4, 2026 · Amount on File
Prior Sale	Jun 19, 2013 · Amount on File
Deed Document Number	2026252903
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	May 4, 2026
Property Address	10145 ARMANDO CIR, ORLANDO, FL 32825-7725
Document Number	0000252903
Instrument Date	Apr 22, 2026
Instrument	2026.252903
Transaction Type	Transfer
Record Updated	May 13, 2026
Title Company	CLOSING AGENT INC, CLOSING AGENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$388,779.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10145 ARMANDO CIR, ORLANDO, FL 32825-7725

Mortgage

Document Number	0000252904,
Date	May 4, 2026
Instrument	2026..252904

Lender

Name	MORTGAGE RESEARCH CTR

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.22%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	10145 ARMANDO CIR, ORLANDO, FL 32825-7725
Document Number	0000415745
Instrument Date	Jul 19, 2017
Transaction Type	Mortgage
Record Updated	Aug 8, 2017
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10145 ARMANDO CIR ORLANDO FL 328257725, ORLANDO, FL 32825-7725

Mortgage

Document Number	0000415745
Date	Jul 26, 2017
Instrument	415745

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 25, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 10145 Armando Cir was $4,226, up 5.3% 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		$278,496 (+2.7%)	$427,730 (-8.63%) Land $75,000 Building $352,730
2025	$4,226.00 (+5.31%) Homeowner's exemption	$271,174	$468,150 Land $75,000 Building $393,150
2024	$4,013.00 (+7.24%)
2023	$3,742.00 (+4.2%) Homeowner's exemption	$255,856 (+3%)	$421,274 (+15.09%) Land $75,000 Building $346,274
2022	$3,591.00 Homeowner's exemption	$248,404	$366,039 Land $75,000 Building $291,039

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 10145 Armando Cir in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 2004.

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
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 10145 Armando Cir is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.03% 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	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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