12892 Downstream Cir, Orlando, FL 32828 Property Records

Orange County property record for 12892 Downstream Cir, Orlando, FL 32828

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,617 sqft · built 1992
Lot Size	0.121 acres (5,267 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,195 (2025)
Deeds & Mortgages	Oct 2023 Transfer Sep 2022 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`34-22-31-3785-00-930`

Property Details

APN / Parcel Number

Primary APN	`34-22-31-3785-00-930`
Alternative APNs	`312234378500930` `620378` `626682` `631480`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,617 sqft Living Area
Gross Area	2,229 sqft
1st Floor Area	1,617 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1995
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,267 sqft (0.121 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Florida Room
Porch Area	212 sqft
Patio Area	301 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	12892 DOWNSTREAM CIR
City	ORLANDO
State	FL
Zip	32828-9144
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 93
Legal Range	31E
Legal Township	22S
Legal Section	34
Legal Subdivision	HUCKLEBERRY FIELDS N-9 & N-10 UT 1
Legal Tract	N
Legal Lot Number	93
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 September 30, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	12892 DOWNSTREAM CIR, ORLANDO, FL 32828-9144
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Sep 6, 2022	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Sep 14, 2021	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Jul 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Jul 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 27, 2023
Transfer Doc	0000578271
Record Updated	Oct 29, 2026

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE FL
Recording Date	Oct 6, 2023
Property Address	12892 DOWNSTREAM CIR, ORLANDO, FL 32828-9144
Document Number	0000578271
Map Reference	MB 19 PG 138-140
Instrument Date	Sep 27, 2023
Instrument	20230578271
Transaction Type	Transfer
Record Updated	Oct 19, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12892 DOWNSTREAM CIR, ORLANDO, FL 32828-9144

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	12892 DOWNSTREAM CIR, ORLANDO, FL 32828-9144

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE FL
Recording Date	Sep 6, 2022
Property Address	12892 DOWNSTREAM CIR, ORLANDO, FL 32828-9144
Document Number	0000539068
Map Reference	MB 19 PG 138-140
Instrument Date	Aug 23, 2022
Instrument	20220539068
Transaction Type	Transfer
Record Updated	Sep 22, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12892 DOWNSTREAM CIR, 12892, ORLANDO, FL 32828-9144

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	12892 DOWNSTREAM CIR, ORLANDO, FL 32828-9144

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12892 DOWNSTREAM CIR, ORLANDO, FL 32828-9144
Transaction Type	Mortgage
Record Updated	Sep 30, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210557487
Date	Sep 14, 2021
Instrument	20210557487

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12892 DOWNSTREAM CIR, ORLANDO, FL 32828-9144
Document Number	0000398297
Instrument Date	Jul 22, 2020
Transaction Type	Mortgage
Record Updated	Aug 10, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12892 DOWNSTREAM CIR ORLANDO FL 328289144, ORLANDO, FL 32828-9144

Mortgage

Document Number	0000398297
Date	Jul 28, 2020
Instrument	398297

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 27, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12892 DOWNSTREAM CIR, ORLANDO, FL 32828-9144
Document Number	0000448733
Instrument Date	Jul 17, 2019
Transaction Type	Mortgage
Record Updated	Aug 7, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12892 DOWNSTREAM CIR ORLANDO FL 328289144, ORLANDO, FL 32828-9144

Mortgage

Document Number	0000448733
Date	Jul 22, 2019
Instrument	448733

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 21, 2049

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		$152,593 (+2.7%)	$338,390 (-1.41%) Land $70,000 Building $268,390
2025	$2,195.00 (+7.76%) Homeowner's exemption	$148,581 (+5.99%)	$343,240 (+10.32%) Land $70,000 Building $273,240
2024	$2,037.00 (+7.04%)
2023	$1,903.00 (+5.37%) Homeowner's exemption	$140,188 (+3%)	$311,142 (+16.08%) Land $70,000 Building $241,142
2022	$1,806.00 Homeowner's exemption	$136,105	$268,049 Land $65,000 Building $203,049

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 487 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Fiber · Cable in parts of the area	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

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