12828 Downstream Cir, Orlando, FL 32828 Property Records

Orange County property record for 12828 Downstream Cir, Orlando, FL 32828

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,385 sqft · built 1991
Lot Size	0.115 acres (4,999 sqft)
Owner	2 Individual Names on Record
Last Sale	$220,000 (Mar 2018)
Tax Bill	$5,360 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`34-22-31-3785-01-090`

Property Details

APN / Parcel Number

Primary APN	`34-22-31-3785-01-090`
Alternative APNs	`312234378501090` `620396` `626700` `631500`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,385 sqft Living Area
Gross Area	1,986 sqft
1st Floor Area	1,385 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1995
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	4,999 sqft (0.115 acres)
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	118 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12828 DOWNSTREAM CIR
City	ORLANDO
State	FL
Zip	32828-9139
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	HUCKLEBERRY FIELDS TRACTS N 9 & N 10 UNIT 1 19/138 LOT 109
Legal Range	31E
Legal Township	22S
Legal Section	34
Legal Subdivision	HUCKLEBERRY FIELDS N-9 & N-10 UT 1
Legal Tract	N
Legal Block	1
Legal Lot Number	109
Legal Unit	1
Jurisdiction	ORANGE FL
Township / Civil Division	UNION PARK
Census Block Group	2
Census Block	2000
Census Tract	16728

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	12828 DOWNSTREAM CIR, ORLANDO, FL 32828-9139
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Oct 7, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS
Mar 6, 2018	Warranty Deed, Transfer · FHA Mortgage OBSIDIAN FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 6, 2018 · Amount on Record
Deed Sale	Mar 6, 2018 · Amount on Record
Deed Document Number	2018131321
Last Transfer Date	Nov 8, 2023
Transfer Doc	0000653859
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12828 DOWNSTREAM CIR, ORLANDO, FL 32828-9139
Transaction Type	Mortgage
Record Updated	Apr 1, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12828 DOWNSTREAM CIR, ORLANDO, FL 32828-9139

Mortgage

Document Number	20210141374
Date	Mar 11, 2021
Instrument	20210141374

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	345 Months
Due	Dec 1, 2049

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12828 DOWNSTREAM CIR, ORLANDO, FL 32828-9139
Document Number	0000640417
Instrument Date	Oct 7, 2019
Transaction Type	Mortgage
Record Updated	Oct 29, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12828 DOWNSTREAM CIR ORLANDO FL 328289139, ORLANDO, FL 32828-9139

Mortgage

Document Number	0000640417
Date	Oct 14, 2019
Instrument	640417

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 13, 2049

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Mar 6, 2018
Property Address	12828 DOWNSTREAM CIR, ORLANDO, FL 32828-9139
Document Number	0000131321
Map Reference	MB 19 PG 138-140
Instrument Date	Feb 26, 2018
Instrument	20180131321
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	FIDELITY NATIONAL TITLE OF F

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,540.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12828 DOWNSTREAM CIR, ORLANDO, FL 32828-9139

Mortgage

Document Number	0000131322
Date	Mar 6, 2018
Instrument	20180131322

Lender

Name	OBSIDIAN FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2048

Tax Assessment & Valuation

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		$295,780 (-1.38%) Land $70,000 Building $225,780	$295,780 (-1.38%) Land $70,000 Building $225,780
2025	$5,360.00 (+5.26%)	$299,930 (+52.87%) Land $70,000 Building $229,930	$299,930 (+9.9%) Land $70,000 Building $229,930
2024	$5,092.00 (+78.92%)
2023	$2,846.00 (+4.36%) Homeowner's exemption	$196,194 (+3%)	$272,918 (+15.84%) Land $70,000 Building $202,918
2022	$2,727.00 Homeowner's exemption	$190,480	$235,606 Land $65,000 Building $170,606

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

Flood

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	3 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

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	0.01% 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 342 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 · Fiber in parts of the area	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

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