11109 Joel Ct, Orlando, FL 32825 Property Records

Orange County property record for 11109 Joel Ct, Orlando, FL 32825

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,875 sqft · built 1994
Lot Size	0.154 acres (6,692 sqft)
Owner	2 Individual Names on File
Last Sale	$134,000 (Sep 2001)
Tax Bill	$2,576 (2025)
Deeds & Mortgages	Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-23-31-0167-00-710`

Property Details

APN / Parcel Number

Primary APN	`09-23-31-0167-00-710`
Alternative APNs	`312309016700710` `631776` `638088` `642889`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,875 sqft Living Area
Gross Area	2,458 sqft
1st Floor Area	1,365 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,692 sqft (0.154 acres)
Garage Type	Attached
Garage Area	405 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	88 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	11109 JOEL CT
City	ORLANDO
State	FL
Zip	32825-7147
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	ANDOVER LAKES PHASE 2 A 30/51 LOT 71
Legal Range	31E
Legal Township	23S
Legal Section	09
Legal Subdivision	ANDOVER LAKES PH 2 A
Legal Phase	2
Legal Tract	167
Legal Lot Number	71
Jurisdiction	ORANGE FL
Township / Civil Division	UNION PARK
Census Block Group	1
Census Block	1009
Census Tract	16753

Owner

11109 Joel Ct is owned and occupied by two individuals who bought it in September 2001.

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

Owner of Record	2 Individual Names on File
Mailing Address	11109 JOEL CT, ORLANDO, FL 32825-7147
Occupancy	Owner Occupied
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 7, 2001 · Amount on File
Deed Sale	Sep 7, 2001 · Amount on File
Prior Sale	Jul 21, 1999 · Amount on File
Deed Book / Page	6342 / 5419
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	11109 JOEL CT, ORLANDO, FL 32825-7147
Transaction Type	Mortgage
Record Updated	Sep 13, 2023
Title Company	NOT AVAILABLE, APOLLO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11109 JOEL CT, ORLANDO, FL 32825-7147

Mortgage

Document Number	0000400938
Date	Jul 6, 2021
Instrument	20210400938

Lender

Name	FAIRWINDS CU
Type	Credit Union
Address	ORLANDO, FL 32826

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Aug 1, 2031

Tax Assessment & Valuation

The 2025 property tax bill for 11109 Joel Ct was $2,576, up 7.3% 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		$169,130 (+2.7%)	$381,910 (-1.34%) Land $90,000 Building $291,910
2025	$2,576.00 (+7.33%) Homeowner's exemption	$164,684	$387,110 Land $90,000 Building $297,110
2024	$2,400.00 (+7.53%)
2023	$2,232.00 (+4.99%) Homeowner's exemption	$155,382 (+3%)	$348,762 (+16.62%) Land $85,000 Building $263,762
2022	$2,126.00 Homeowner's exemption	$150,856	$299,068 Land $75,000 Building $224,068

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

Flood

FEMA maps place 11109 Joel Ct 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 32 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	32 in force
Nearby Flood Claims	2 (2022)
Claims Outside the SFHA	2 of 2
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 11109 Joel Ct is moderate, ranking above 60% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 60% of the US · lower than 65% of Florida
Wildfire Likelihood	0.2% 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 246 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20