12592 Kirby Smith Rd, Orlando, FL 32832 Property Records

Orange County property record for 12592 Kirby Smith Rd, Orlando, FL 32832

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,500 sqft · built 1985
Lot Size	2.15 acres (94,000 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,912 (2025)
Deeds & Mortgages	Sep 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`20-24-31-0000-00-028`

Property Details

APN / Parcel Number

Primary APN	`20-24-31-0000-00-028`
Alternative APNs	`312420000000028` `649771` `656614` `662391`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	2 Rooms
Stories	2 Stories
Building Area	2,500 sqft Living Area
Gross Area	4,497 sqft
1st Floor Area	1,327 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1990
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	94,000 sqft (2.15 acres)
Garage Type	Attached
Garage Area	684 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	854 sqft
Shed	1 Shed
Gazebo	Gazebo
Boat Access	Boat Access

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12592 KIRBY SMITH RD
City	ORLANDO
State	FL
Zip	32832-6115
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-CE-2
Legal Description	S 15 FT OF N 560 FT OF E 1423.92 FT OF SE1/4 (LESS E 30 FT F OR R/W) & S 140 FT OF N 560 FT OF W 522.08 FT OF E 1946 FT O F SE1/4 OF SEC 20-24-31
Legal Range	31E
Legal Township	24S
Legal Section	20
Legal Subdivision	ACREAGE & UNREC
Legal Tract	0000
Legal Lot Number	28
Jurisdiction	ORANGE FL
Township / Civil Division	EAST ORANGE
Census Block Group	2
Census Block	2009
Census Tract	16736

Owner

12592 Kirby Smith Rd is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	12592 KIRBY SMITH RD, ORLANDO, FL 32832-6115
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
Record Updated	Jun 8, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12592 KIRBY SMITH RD, ORLANDO, FL 32832-6115
Document Number	0000610508
Instrument Date	Sep 27, 2018
Transaction Type	Mortgage
Record Updated	Oct 31, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12592 KIRBY SMITH RD ORLANDO FL 328326115, ORLANDO, FL 32832-6115

Mortgage

Document Number	0000610508
Date	Oct 17, 2018
Instrument	610508

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 16, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 12592 Kirby Smith Rd was $6,912, up 4.4% 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		$456,009 (+2.7%)	$1,033,340 (-0.75%) Land $600,000 Building $433,340
2025	$6,912.00 (+4.36%) Homeowner's exemption	$444,020	$1,041,120 Land $600,000 Building $441,120
2024	$6,623.00 (+7.31%)
2023	$6,172.00 (+3.42%) Homeowner's exemption	$418,938 (+3%)	$890,148 (+7.22%) Land $500,000 Building $390,148
2022	$5,968.00 Homeowner's exemption	$406,736	$830,187 Land $500,000 Building $330,187

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

Flood

FEMA maps place 12592 Kirby Smith Rd 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 33 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	33 in force
Nearby Flood Claims	3 (2020–2022)
Claims Outside the SFHA	1 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 12592 Kirby Smith Rd is moderate, ranking above 57% 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 57% of the US · lower than 69% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 18 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 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

Nearby Properties on Kirby Smith Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures