10968 Willow Ridge Loop, #LO, Orlando, FL 32825 Property Records

Orange County property record for 10968 Willow Ridge Loop, #LO, Orlando, FL 32825

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,659 sqft · built 2007
Lot Size	0.143 acres (6,249 sqft)
Owner	2 Individual Names on File
Last Sale	$507,000 (Apr 2022)
Tax Bill	$7,170 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`33-22-31-9472-02-540`

Property Details

APN / Parcel Number

Primary APN	`33-22-31-9472-02-540`
Alternative APNs	`312233947202540` `618911` `625216` `630016`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,659 sqft Living Area
Gross Area	3,451 sqft
1st Floor Area	1,888 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,249 sqft (0.143 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	236 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10968 WILLOW RIDGE LOOP, LO
City	ORLANDO
State	FL
Zip	32825-4408
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	WOODLAND LAKES PRESERVE UNIT 2 61/15 LOT 254
Legal Range	31E
Legal Township	22S
Legal Section	33
Legal Subdivision	WOODLAND LAKES PRESERVE UT 2
Legal Tract	9472
Legal Block	2
Legal Lot Number	254
Legal Unit	2
Jurisdiction	ORANGE FL
Township / Civil Division	UNION PARK
Census Block Group	1
Census Block	1000
Census Tract	16751

Owner

10968 Willow Ridge Loop, #LO is owned by two individuals who bought it in April 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	10968 WILLOW RIDGE LOOP, ORLANDO, FL 32825-4408
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
Apr 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage CLEAREDGE LENDING LLC
Apr 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage WATERSTONE MTG
Jun 12, 2018	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 2022 · Amount on File
Deed Sale	Apr 8, 2022 · Amount on File
Prior Sale	Jun 12, 2018 · Amount on File
Deed Document Number	2022231319
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	10968 WILLOW RIDGE LOOP, ORLANDO, FL 32825-4408
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	FIRST INTERNATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	222 SEABEZT AVE, DEPEW, NY 14043-2115

Mortgage

Document Number	0000231320
Date	Apr 8, 2022
Instrument	20220231320

Lender

Name	CLEAREDGE LENDING LLC
Type	Mortgage Company
Address	ALISO VIEJO, CA 92656

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2052

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	10968 WILLOW RIDGE LOOP, ORLANDO, FL 32825-4408
Document Number	0000261825
Instrument Date	Apr 24, 2020
Transaction Type	Mortgage
Record Updated	May 14, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10968 WILLOW RIDGE LOOP ORLANDO FL 328254408, ORLANDO, FL 32825-4408

Mortgage

Document Number	0000261825
Date	Apr 30, 2020
Instrument	261825

Lender

Name	WATERSTONE MTG
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 29, 2035

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jun 12, 2018
Property Address	10968 WILLOW RIDGE LOOP, ORLANDO, FL 32825-4408
Document Number	0000344979
Map Reference	MB 61 PG 15-19
Instrument Date	Jun 6, 2018
Instrument	20180344979
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	CITY TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,505.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1305 MORGAN STANLEY AVE UNIT 327, 1305, WINTER PARK, FL 32789-1960

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10968 WILLOW RIDGE LOOP, ORLANDO, FL 32825-4408

Mortgage

Document Number	0000344980
Date	Jun 12, 2018
Instrument	20180344980

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 10968 Willow Ridge Loop, #LO was $7,170, up 4.3% 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		$460,470 (-0.18%) Land $85,000 Building $375,470	$460,470 (-1.29%) Land $85,000 Building $375,470
2025	$7,170.00 (+4.31%) Homeowner's exemption	$461,308	$466,480 Land $85,000 Building $381,480
2024	$6,874.00 (-6.04%)
2023	$7,316.00 (+59.91%)	$454,551 (+43.09%) Land $85,000 Building $369,551	$454,551 (+16.45%) Land $85,000 Building $369,551
2022	$4,575.00 Homeowner's exemption	$317,673	$390,350 Land $80,000 Building $310,350

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

Flood

FEMA maps place 10968 Willow Ridge Loop, #LO in Zone X, an area of minimal flood risk.

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 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 10968 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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