12551 Sophiamarie Loop, Orlando, FL 32828 Property Records

Orange County property record for 12551 Sophiamarie Loop, Orlando, FL 32828

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,417 sqft · built 2003
Lot Size	0.114 acres (4,953 sqft)
Owner	Individual Name on File
Last Sale	$185,555 (Dec 2015)
Tax Bill	$6,063 (2025)
Deeds & Mortgages	Mar 2026 Second Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27-22-31-8930-00-490`

Property Details

APN / Parcel Number

Primary APN	`27-22-31-8930-00-490`
Alternative APNs	`312227893000490` `611474` `617780` `622582`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,417 sqft Living Area
Gross Area	1,952 sqft
1st Floor Area	1,417 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	4,953 sqft (0.114 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	135 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12551 SOPHIAMARIE LOOP
City	ORLANDO
State	FL
Zip	32828-7168
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	VIZCAYA AT WATERFORD 52/30 LOT 49
Legal Range	31E
Legal Township	22S
Legal Section	27
Legal Subdivision	VIZCAYA AT WATERFORD
Legal Tract	8930
Legal Lot Number	49
Jurisdiction	ORANGE FL
Township / Civil Division	UNION PARK
Census Block Group	1
Census Block	1013
Census Tract	16741

Owner

12551 Sophiamarie Loop is owned and occupied by an individual who bought it in December 2015.

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

Owner of Record	Individual Name on File
Mailing Address	12551 SOPHIAMARIE LOOP, ORLANDO, FL 32828-7168
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

Date	Document
Mar 4, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Jul 23, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Mar 21, 2018	Loan Modification, Mortgage · Conventional Mortgage WFB NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 28, 2015 · Amount on File
Deed Sale	Dec 28, 2015 · Amount on File
Prior Sale	Jul 31, 2014 · Amount on File
Deed Document Number	2015664856
Deed Book / Page	11032 / 8703
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12551 SOPHIAMARIE LOOP, ORLANDO, FL 32828-7168
Transaction Type	Mortgage
Record Updated	Mar 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12551 SOPHIAMARIE LOOP, ORLANDO, FL 32828-7168

Mortgage

Document Number	0000127819
Date	Mar 4, 2026
Instrument	20260127819

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Mar 1, 2046

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12551 SOPHIAMARIE LOOP, ORLANDO, FL 32828-7168
Document Number	0000422478
Instrument Date	Jul 23, 2020
Transaction Type	Mortgage
Record Updated	Sep 1, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12551 SOPHIAMARIE LOOP ORLANDO FL 328287168, ORLANDO, FL 32828-7168

Mortgage

Document Number	0000422478
Date	Aug 11, 2020
Instrument	422478

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	336 Months
Due	Aug 10, 2048

March 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ORANGE FL
Property Address	12551 SOPHIAMARIE LOOP, ORLANDO, FL 32828-7168
Document Number	0000257362
Instrument Date	Mar 21, 2018
Transaction Type	Mortgage
Record Updated	May 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12551 SOPHIAMARIE LOOP ORLANDO FL 328287168, ORLANDO, FL 32828-7168

Mortgage

Document Number	0000257362
Date	May 1, 2018
Instrument	257362

Lender

Name	WFB NA
Address	DES MOINES, IA 50328

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 30, 2048

Interest

Rate	3.75%

Tax Assessment & Valuation

The 2025 property tax bill for 12551 Sophiamarie Loop was $6,063, up 8.6% 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		$342,320 (+0.19%) Land $70,000 Building $272,320	$342,320 (-1.3%) Land $70,000 Building $272,320
2025	$6,063.00 (+8.56%)	$341,677	$346,830 Land $70,000 Building $276,830
2024	$5,585.00 (+12.04%)
2023	$4,985.00 (+12.33%)	$313,985 (+16.95%) Land $70,000 Building $243,985	$313,985 (+16.95%) Land $70,000 Building $243,985
2022	$4,438.00	$268,488 Land $65,000 Building $203,488	$268,488 Land $65,000 Building $203,488

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

Flood

FEMA maps place 12551 Sophiamarie Loop 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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	9 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 12551 Sophiamarie Loop is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.03% 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 366 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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