13408 Kitty Fork Rd, Orlando, FL 32828 Property Records

Orange County property record for 13408 Kitty Fork Rd, Orlando, FL 32828

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,678 sqft · built 2002
Lot Size	0.173 acres (7,521 sqft)
Owner	2 Individual Names on Record
Last Sale	$108,052 (Feb 2013)
Tax Bill	$3,431 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Mar 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`23-22-31-0892-00-690`

Property Details

APN / Parcel Number

Primary APN	`23-22-31-0892-00-690`
Alternative APNs	`312223089200690` `605559` `611813` `616616`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,678 sqft Living Area
Gross Area	3,506 sqft
1st Floor Area	2,678 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2003
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,521 sqft (0.173 acres)
Garage Type	Attached
Garage Area	607 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	221 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	13408 KITTY FORK RD
City	ORLANDO
State	FL
Zip	32828-6189
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	BRIDGE WATER PHASE 2 43/145 LOT 69
Legal Range	31E
Legal Township	22S
Legal Section	23
Legal Subdivision	BRIDGE WATER PH 2
Legal Phase	2
Legal Tract	892
Legal Lot Number	69
Jurisdiction	ORANGE FL
Township / Civil Division	UNION PARK
Census Block Group	1
Census Block	1008
Census Tract	16743

Owner

Source: Orange County records, as of May 4, 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	13408 KITTY FORK RD, ORLANDO, FL 32828-6189
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2026	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Mar 27, 2017	Deed of Trust, Mortgage · Line of Credit NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 1, 2013 · Amount on Record
Deed Sale	Feb 1, 2013 · Amount on Record
Prior Sale	Dec 1, 2009 · Amount on Record
Deed Document Number	201364648
Deed Book / Page	10515 / 2744
Prior Transfer Date	Jan 18, 2013
Prior Transfer Doc	0000064648
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	13408 KITTY FORK RD, ORLANDO, FL 32828-6189
Transaction Type	Mortgage
Record Updated	Feb 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13408 KITTY FORK RD, ORLANDO, FL 32828-6189

Mortgage

Document Number	0000058320
Date	Jan 30, 2026
Instrument	20260058320

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Feb 1, 2066

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	13408 KITTY FORK RD, ORLANDO, FL 32828-6189
Document Number	0000203273
Instrument Date	Mar 27, 2017
Transaction Type	Mortgage
Record Updated	May 9, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13408 KITTY FORK RD ORLANDO FL 328286189, ORLANDO, FL 32828-6189

Mortgage

Document Number	0000203273
Date	Apr 14, 2017
Instrument	203273

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Apr 13, 2057

Interest

Rate Type	Adjustable Rate

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		$230,972 (+2.7%)	$472,280 (-1.43%) Land $60,000 Building $412,280
2025	$3,431.00 (+6.52%) Homeowner's exemption	$224,900 (+5.99%)	$479,150 (+11.61%) Land $60,000 Building $419,150
2024	$3,221.00 (+7.15%)
2023	$3,006.00 (+4.78%) Homeowner's exemption	$212,196 (+3%)	$429,319 (+15.9%) Land $60,000 Building $369,319
2022	$2,869.00 Homeowner's exemption	$206,016	$370,413 Land $60,000 Building $310,413

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
Flood Insurance Cost	Premium on Record median of 49 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	49 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 99.8% of the US · lower than 99.7% 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 429 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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