Orange County property record for 12908 Sophiamarie Loop, Orlando, FL 32828
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,661 sqft · built 2004 |
| Lot Size | 0.188 acres (8,201 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $415,000 (Apr 2024) |
| Tax Bill | $6,009 (2025) |
| Deeds & Mortgages | Apr 2024 Sale & Mortgage Aug 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-22-31-8930-00-810 |
| Primary APN | 27-22-31-8930-00-810 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,661 sqft Living Area |
| Gross Area | 2,213 sqft |
| 1st Floor Area | 1,661 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Concrete |
| Lot Area | 8,201 sqft (0.188 acres) |
| Garage Type | Attached |
| Garage Area | 380 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Finished/Open Porch |
| Porch Area | 172 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 12908 SOPHIAMARIE LOOP |
|---|---|
| City | ORLANDO |
| State | FL |
| Zip | 32828-7182 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | VIZCAYA AT WATERFORD 52/30 LOT 81 |
| Legal Range | 31E |
| Legal Township | 22S |
| Legal Section | 27 |
| Legal Subdivision | VIZCAYA AT WATERFORD |
| Legal Tract | 8930 |
| Legal Lot Number | 81 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | UNION PARK |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 16741 |
Source: Orange County records, as of April 30, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3801 PINEWOOD GARDENS BLVD, SAINT CLOUD, FL 34769-6521 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Apr 2, 2024 | Warranty Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE |
| Aug 25, 2023 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 2, 2024 · Amount on Record |
| Deed Sale | Apr 2, 2024 · Amount on Record |
| Prior Sale | Oct 26, 2004 · Amount on Record |
| Deed Document Number | 2024190155 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Apr 2, 2024 |
| Property Address | 12908 SOPHIAMARIE LOOP, ORLANDO, FL 32828-7182 |
| Document Number | 0000190155 |
| Map Reference | MB 52 PG 30&31 |
| Instrument Date | Apr 1, 2024 |
| Instrument | 20240190155 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2024 |
| Title Company | COBBLESTONE TITLE SERVICES LLC, COBBLESTONE TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,905.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12608 CASTLEMAIN TRL, ORLANDO, FL 32828-8696 |
| Name | Verified Name |
|---|---|
| Address | 3801 PINEWOOD GARDENS BLVD, SAINT CLOUD, FL 34769-6521 |
| Document Number | 0000190156 |
|---|---|
| Date | Apr 2, 2024 |
| Instrument | 20240190156 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 12908 SOPHIAMARIE LOOP, ORLANDO, FL 32828-7182 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2023 |
| Name | Verified Name |
|---|---|
| Address | 12908 SOPHIAMARIE LOOP, ORLANDO, FL 32828-7182 |
| Document Number | 0000486882 |
|---|---|
| Date | Aug 25, 2023 |
| Instrument | 20230486882 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 9, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Orange County assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Unified School District | Orange County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $375,800 (-1.32%) Land $70,000 Building $305,800 | $375,800 (-1.32%) Land $70,000 Building $305,800 | |
| 2025 | $6,009.00 (+173.63%) Homeowner's exemption | $380,820 (+162.55%) Land $70,000 Building $310,820 | $380,820 (+10.78%) Land $70,000 Building $310,820 |
| 2024 | $2,196.00 (+7.28%) | ||
| 2023 | $2,047.00 (+4.97%) Homeowner's exemption | $145,044 (+3%) | $343,762 (+16.55%) Land $70,000 Building $273,762 |
| 2022 | $1,950.00 Homeowner's exemption | $140,819 | $294,952 Land $65,000 Building $229,952 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 245 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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