Orange County property record for 1103 Palmer St, Orlando, FL 32801
| Property Type | Duplex |
|---|---|
| Details | 5 bd · 4.5 ba · 2,395 sqft · built 1984 |
| Lot Size | 0.158 acres (6,877 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $11,059 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Mar 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 36-22-29-1040-00-380 |
| Primary APN | 36-22-29-1040-00-380 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,395 sqft Living Area |
| Gross Area | 2,844 sqft |
| 1st Floor Area | 1,776 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Duplex Single |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,877 sqft (0.158 acres) |
| Garage Type | Attached |
| Garage Area | 260 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 1103 PALMER ST |
|---|---|
| City | ORLANDO |
| State | FL |
| Zip | 32801-4048 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | R-2A/T/AN |
| Legal Description | BUNGALOW PARK G/52 LOT 38 |
| Legal Range | 29E |
| Legal Township | 22S |
| Legal Section | 36 |
| Legal Subdivision | BUNGALOW PARK (ORLANDO) |
| Legal Tract | 1040 |
| Legal Lot Number | 38 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | ORLANDO |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 10300 |
1103 Palmer St, a duplex, is owned by two individuals who acquired it in March 2020.
Source: Orange County records, as of May 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 533952, ORLANDO, FL 32853-3952 |
| 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.
| Date | Document |
|---|---|
| Feb 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CHRISTENSEN FINANCIAL INC |
| Mar 23, 2020 | Quit Claim Deed, Transfer WELLS FARGO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Mar 13, 2020 |
| Transfer Doc | 0000179724 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 1103 PALMER ST, ORLANDO, FL 32801-4048 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1922 E WESHIRGTON ST, ORLANDO, FL 32803 |
| Document Number | 20210114308 |
|---|---|
| Date | Feb 26, 2021 |
| Instrument | 20210114308 |
| Name | CHRISTENSEN FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Mar 23, 2020 |
| Property Address | 1103 PALMER ST, ORLANDO, FL 32801-4048 |
| Document Number | 0000179724 |
| Instrument Date | Mar 13, 2020 |
| Instrument | 179724 |
| Transaction Type | Transfer |
| Record Updated | Apr 24, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | PO BOX 533952 ORLANDO FL 328533952, ORLANDO, FL 32853-3952 |
| Document Number | 179725 |
|---|---|
| Date | Mar 23, 2020 |
| Instrument | 179725 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Mar 22, 2050 |
The 2025 property tax bill for 1103 Palmer St was $11,059, up 9.4% from the year before.
Source: Orange County assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Municipality | Orlando City |
| Unified School District | Orange County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $613,460 (+4.94%) Land $270,000 Building $343,460 | $613,460 (-1.89%) Land $270,000 Building $343,460 | |
| 2025 | $11,059.00 (+9.4%) | $584,585 | $625,300 Land $270,000 Building $355,300 |
| 2024 | $10,109.00 (+11.64%) | ||
| 2023 | $9,055.00 (+11.45%) | $514,047 (+15.59%) Land $225,000 Building $289,047 | $514,047 (+15.59%) Land $225,000 Building $289,047 |
| 2022 | $8,125.00 | $444,705 Land $225,000 Building $219,705 | $444,705 Land $225,000 Building $219,705 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1103 Palmer St in Zone X, an area of minimal flood risk, though there have been 4 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 20 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 22 units insured incl. 2 condo units |
| Nearby Flood Claims | 4 (2022–2024) |
| Most Recent Claim | Sep 2024 · other causes |
| Claims by Event |
|
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 risk around 1103 Palmer St is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 238 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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