13040 Ruidosa Loop, Orlando, FL 32837 Property Records

Orange County property record for 13040 Ruidosa Loop, Orlando, FL 32837

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,934 sqft · built 2000
Lot Size	0.123 acres (5,346 sqft)
Owner	Individual Name on File
Tax Bill	$2,496 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Sep 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-24-29-8141-02-240`

Property Details

APN / Parcel Number

Primary APN	`27-24-29-8141-02-240`
Alternative APNs	`292427814102240` `452555` `458212` `462709`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,934 sqft Living Area
Gross Area	2,379 sqft
1st Floor Area	1,934 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,346 sqft (0.123 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	25 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	13040 RUIDOSA LOOP
City	ORLANDO
State	FL
Zip	32837-6337
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	SOUTHCHASE PHASE 1A PARCELS 14 & 15 40/132 LOT 224
Legal Range	29E
Legal Township	24S
Legal Section	27
Legal Subdivision	SOUTHCHASE PH 1A PAR 14 & 15
Legal Phase	1A
Legal Tract	8141
Legal Block	2
Legal Lot Number	224
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2008
Census Tract	17011

Owner

13040 Ruidosa Loop is owned and occupied by an individual who acquired it in December 2006.

Source: Orange County records, as of July 13, 2026

Owner of Record	Individual Name on File
Mailing Address	13040 RUIDOSA LOOP, ORLANDO, FL 32837-6337
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Person

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
Apr 1, 2022	Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK
Sep 23, 2019	Deed of Trust, Mortgage · Conventional with PMI FAIRWINDS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Dec 29, 2006
Transfer Doc	0000023464
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	13040 RUIDOSA LOOP, ORLANDO, FL 32837-6337
Transaction Type	Mortgage
Record Updated	Apr 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13040 RUIDOSA LOOP, ORLANDO, FL 32837-6337

Mortgage

Document Number	0000210566
Date	Apr 1, 2022
Instrument	20220210566

Lender

Name	TRUSTCO BANK
Type	Bank
Address	LONGWOOD, FL 32750

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Mar 26, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	13040 RUIDOSA LOOP, ORLANDO, FL 32837-6337
Document Number	0000612785
Instrument Date	Sep 23, 2019
Transaction Type	Mortgage
Record Updated	Oct 18, 2019
Title Company	APOLLO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13040 RUIDOSA LOOP ORLANDO FL 328376337, ORLANDO, FL 32837-6337

Mortgage

Document Number	0000612785
Date	Oct 2, 2019
Instrument	612785

Lender

Name	FAIRWINDS CU
Address	ORLANDO, FL 32826

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 13040 Ruidosa Loop was $2,496, up 7.2% 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		$174,993 (+2.7%)	$345,910 (-1.29%) Land $75,000 Building $270,910
2025	$2,496.00 (+7.22%) Homeowner's exemption	$170,392	$350,420 Land $75,000 Building $275,420
2024	$2,328.00 (+11.65%)
2023	$2,085.00 (+4.77%) Homeowner's exemption	$155,427 (+3%)	$336,158 (+14.17%) Land $75,000 Building $261,158
2022	$1,990.00 Homeowner's exemption	$150,900	$294,433 Land $75,000 Building $219,433

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

Flood

FEMA maps place 13040 Ruidosa 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
Flood Insurance Cost	Premium on File median of 14 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	14 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 13040 Ruidosa Loop is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 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 285 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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