1846 Palmerston Cir, Ocoee, FL 34761 Property Records

Orange County property record for 1846 Palmerston Cir, Ocoee, FL 34761

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,623 sqft · built 2006
Lot Size	0.207 acres (8,999 sqft)
Owner	Individual Name on File
Last Sale	$485,000 (Jul 2023)
Tax Bill	$7,068 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Apr 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`33-21-28-4216-00-630`

Property Details

APN / Parcel Number

Primary APN	`33-21-28-4216-00-630`
Alternative APNs	`282133421600630` `215878` `220149` `224656`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,623 sqft Living Area
Gross Area	3,378 sqft
1st Floor Area	2,290 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,999 sqft (0.207 acres)
Garage Type	Attached
Garage Area	395 sqft
Parking Spaces	1 Parking Space
Porch	Florida Room
Porch Area	301 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1846 PALMERSTON CIR
City	OCOEE
State	FL
Zip	34761-5115
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1AA
Legal Description	KENSINGTON MANOR 56/92 LOT 63
Legal Range	28E
Legal Township	21S
Legal Section	33
Legal Subdivision	KENSINGTON MANOR
Legal Tract	4216
Legal Lot Number	63
Jurisdiction	ORANGE FL
Township / Civil Division	APOPKA
Census Block Group	2
Census Block	2045
Census Tract	17506

Owner

1846 Palmerston Cir is owned by an individual who bought it in July 2023.

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

Owner of Record	Individual Name on File
Mailing Address	2749 VINDALE ST, ORLANDO, FL 32818-3217
Owner Type	Individual
Vesting	His Wife

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
Jul 18, 2023	Warranty Deed, Transfer · Conventional Mortgage LOAN FACTORY INC
Apr 14, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Nov 2, 2019	Deed of Trust, Mortgage · Conventional Mortgage MR COOPER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 18, 2023 · Amount on File
Deed Sale	Jul 18, 2023 · Amount on File
Prior Sale	Mar 24, 2010 · Amount on File
Deed Document Number	2023401318
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jul 18, 2023
Property Address	1846 PALMERSTON CIR, OCOEE, FL 34761-5115
Document Number	0000401318
Map Reference	MB 56 PG 92-95
Instrument Date	Jul 17, 2023
Instrument	20230401318
Transaction Type	Transfer
Record Updated	Aug 2, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,395.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1846 PALMERSTON CIR, OCOEE, FL 34761-5115

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2749 VINDALE ST, ORLANDO, FL 32818-3217

Mortgage

Document Number	0000401319
Date	Jul 18, 2023
Instrument	20230401319

Lender

Name	LOAN FACTORY INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1846 PALMERSTON CIR, OCOEE, FL 34761-5115
Transaction Type	Mortgage
Record Updated	May 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1846 PALMERSTON CIR, OCOEE, FL 34761-5115
Investor	Possibly a Property Investor

Mortgage

Document Number	0000212041
Date	Apr 14, 2023
Instrument	20230212041

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Apr 17, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1846 PALMERSTON CIR, OCOEE, FL 34761-5115
Document Number	0000713826
Instrument Date	Nov 2, 2019
Transaction Type	Mortgage
Record Updated	Dec 5, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1846 PALMERSTON CIR OCOEE FL 347615115, OCOEE, FL 34761-5115

Mortgage

Document Number	0000713826
Date	Nov 13, 2019
Instrument	713826

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Nov 12, 2039

Tax Assessment & Valuation

The 2025 property tax bill for 1846 Palmerston Cir was $7,068, up 6.3% from the year before.

Source: Orange County assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Orange County
Municipality	Ocoee City
Unified School District	Orange County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$422,770 (-0.2%) Land $80,000 Building $342,770	$422,770 (-1.29%) Land $80,000 Building $342,770
2025	$7,068.00 (+6.29%) Homeowner's exemption	$423,607	$428,290 Land $80,000 Building $348,290
2024	$6,650.00 (+123.45%)
2023	$2,976.00 (+3.44%) Homeowner's exemption	$187,430 (+3%)	$385,814 (+14.54%) Land $80,000 Building $305,814
2022	$2,877.00 Homeowner's exemption	$181,971	$336,844 Land $80,000 Building $256,844

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.

Flood

FEMA maps place 1846 Palmerston Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 15 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	15 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 1846 Palmerston Cir is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 53% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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