10654 Willow Ridge Loop, #LO, Orlando, FL 32825 Property Records

Orange County property record for 10654 Willow Ridge Loop, #LO, Orlando, FL 32825

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,495 sqft · built 2006
Lot Size	0.154 acres (6,723 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (Jun 2017)
Tax Bill	$5,286 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Jul 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`33-22-31-9472-01-930`

Property Details

APN / Parcel Number

Primary APN	`33-22-31-9472-01-930`
Alternative APNs	`312233947201930` `618838` `625141` `629941`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,495 sqft Living Area
Gross Area	3,576 sqft
1st Floor Area	1,162 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,723 sqft (0.154 acres)
Garage Type	Attached
Garage Area	558 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	256 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10654 WILLOW RIDGE LOOP, LO
City	ORLANDO
State	FL
Zip	32825-4400
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	WOODLAND LAKES PRESERVE UNIT 2 61/15 LOT 193
Legal Range	31E
Legal Township	22S
Legal Section	33
Legal Subdivision	WOODLAND LAKES PRESERVE UT 2
Legal Tract	9472
Legal Block	1
Legal Lot Number	193
Legal Unit	2
Jurisdiction	ORANGE FL
Township / Civil Division	UNION PARK
Census Block Group	1
Census Block	1000
Census Tract	16751

Owner

10654 Willow Ridge Loop, #LO is owned by two individuals who bought it in June 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	10654 WILLOW RIDGE LOOP, ORLANDO, FL 32825-4400
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
Oct 29, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG
Jul 12, 2017	Warranty Deed, Transfer · FHA Mortgage BANKERS MTG LNDG
Mar 2, 2017	Quit Claim Deed, Transfer TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2017 · Amount on File
Deed Sale	Jun 1, 2017 · Amount on File
Prior Sale	Nov 3, 2008 · Amount on File
Prior Transfer Date	Feb 28, 2017
Prior Transfer Doc	0000112311
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	10654 WILLOW RIDGE LOOP, ORLANDO, FL 32825-4400
Document Number	0000580090
Instrument Date	Oct 29, 2020
Transaction Type	Mortgage
Record Updated	Nov 19, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10654 WILLOW RIDGE LOOP ORLANDO FL 328254400, ORLANDO, FL 32825-4400

Mortgage

Document Number	0000580090
Date	Nov 6, 2020
Instrument	580090

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	324 Months
Due	Nov 5, 2047

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jul 12, 2017
Property Address	10654 WILLOW RIDGE LOOP, ORLANDO, FL 32825-4400
Document Number	0000384676
Instrument Date	Jun 30, 2017
Instrument	384676
Transaction Type	Transfer
Record Updated	Sep 10, 2019
Title Company	SAINT LAWRENCE TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10654 WILLOW RIDGE LOOP ORLANDO FL 328254400, ORLANDO, FL 32825-4400

Mortgage

Document Number	384677
Date	Jul 12, 2017
Instrument	384677

Lender

Name	BANKERS MTG LNDG
Type	Mortgage Company
Address	SUNRISE, FL 33323

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 11, 2047

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE FL
Recording Date	Mar 2, 2017
Property Address	10654 WILLOW RIDGE LOOP, ORLANDO, FL 32825-4400
Document Number	0000112311
Instrument Date	Feb 28, 2017
Instrument	112311
Transaction Type	Transfer
Record Updated	Apr 20, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3410 STARWOOD RD WILDWOOD MO 630382230, WILDWOOD, MO 63038-2230

Tax Assessment & Valuation

The 2025 property tax bill for 10654 Willow Ridge Loop, #LO was $5,286, up 4.9% 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		$353,455 (+2.7%)	$460,420 (-1.3%) Land $85,000 Building $375,420
2025	$5,286.00 (+4.86%) Homeowner's exemption	$344,163	$466,480 Land $85,000 Building $381,480
2024	$5,041.00 (+7.32%)
2023	$4,697.00 (+3.53%) Homeowner's exemption	$324,722 (+3%)	$450,094 (+16.41%) Land $85,000 Building $365,094
2022	$4,537.00 Homeowner's exemption	$315,264	$386,631 Land $80,000 Building $306,631

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

Flood

FEMA maps place 10654 Willow Ridge Loop, #LO 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 17 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	17 in force

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 10654 Willow Ridge Loop, #LO is moderate, ranking above 45% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.08% 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 278 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile, Xfinity.

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