10909 Dearden Cir, Orlando, FL 32817 Property Records

Orange County property record for 10909 Dearden Cir, Orlando, FL 32817

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,894 sqft · built 1994
Lot Size	0.145 acres (6,300 sqft)
Owner	Individual Name on File
Last Sale	$24,000 (Sep 2017)
Tax Bill	$6,708 (2025)
Deeds & Mortgages	Dec 2020 Transfer Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-22-31-9458-01-390`

Property Details

APN / Parcel Number

Primary APN	`05-22-31-9458-01-390`
Alternative APNs	`312205945801390` `587528` `593791` `598516`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,894 sqft Living Area
Gross Area	2,332 sqft
1st Floor Area	1,894 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,300 sqft (0.145 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Pool Area	450 sqft
Porch	Slab
Porch Area	38 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10909 DEARDEN CIR
City	ORLANDO
State	FL
Zip	32817-3822
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	WOOD GLEN PHASE 2 STRAW RIDGE PD 26/4 LOT 139
Legal Range	31E
Legal Township	22S
Legal Section	05
Legal Subdivision	WOOD GLEN PH 2 STRAW RIDGE P D
Legal Phase	2
Legal Tract	9458
Legal Block	1
Legal Lot Number	139
Jurisdiction	ORANGE FL
Township / Civil Division	UNION PARK
Census Block Group	2
Census Block	2008
Census Tract	16503

Owner

10909 Dearden Cir is owned by an individual who bought it in September 2017.

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

Owner of Record	Individual Name on File
Mailing Address	9981 INDIGO BAY CIR, ORLANDO, FL 32832-5901
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
Dec 15, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Sep 7, 2017	Quit Claim Deed, Transfer FIRSTBANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 7, 2017 · Amount on File
Deed Sale	Sep 7, 2017 · Amount on File
Prior Sale	Oct 5, 2004 · Amount on File
Deed Document Number	2017495603
Prior Transfer Date	Sep 1, 2017
Prior Transfer Doc	0000495603
Record Updated	Oct 29, 2026

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE FL
Recording Date	Dec 15, 2020
Property Address	10909 DEARDEN CIR, ORLANDO, FL 32817-3822
Document Number	0000653915
Instrument Date	Dec 11, 2020
Instrument	653915
Transaction Type	Transfer
Record Updated	Dec 29, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9981 INDIGO BAY CIR ORLANDO FL 328325901, ORLANDO, FL 32832-5901

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE FL
Recording Date	Sep 7, 2017
Property Address	10909 DEARDEN CIR, ORLANDO, FL 32817-3822
Document Number	0000495603
Instrument Date	Sep 1, 2017
Instrument	495603
Transaction Type	Transfer
Record Updated	Aug 25, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transaction

Amount	Amount on Record
Tax	$168.00
Amount Accuracy	Confirmed
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	9981 INDIGO BAY CIR ORLANDO FL 328325901, ORLANDO, FL 32832-5901

Mortgage

Document Number	495604
Date	Sep 7, 2017
Instrument	495604

Lender

Name	FIRSTBANK
Type	Bank
Address	FRANKLIN, TN 37067

Agreement

Amount	Amount on Record
Term	180 Months
Due	Sep 6, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 10909 Dearden Cir was $6,708, up 6.2% 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		$376,730 (-1.65%) Land $65,000 Building $311,730	$376,730 (-1.65%) Land $65,000 Building $311,730
2025	$6,708.00 (+6.17%)	$383,050 Land $65,000 Building $318,050	$383,050 Land $65,000 Building $318,050
2024	$6,318.00 (+8.46%)
2023	$5,825.00 (+11.55%)	$378,215 (+14.12%) Land $65,000 Building $313,215	$378,215 (+14.12%) Land $65,000 Building $313,215
2022	$5,222.00	$331,406 Land $65,000 Building $266,406	$331,406 Land $65,000 Building $266,406

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

Flood

FEMA maps place 10909 Dearden Cir in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2022.

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 27 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	27 in force
Nearby Flood Claims	3 (2022)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 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 10909 Dearden Cir is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.05% 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 180 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area	8,000 / 8,000
Xfinity Cable	1,200 / 35
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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