20396 E Colonial Dr, Christmas, FL 32709 Property Records

Orange County property record for 20396 E Colonial Dr, Christmas, FL 32709

Property Summary

Property Type	Mobile Home
Details	4 bd · 2 ba · 2,280 sqft · built 2002
Lot Size	2.75 acres (119,790 sqft)
Owner	Individual Name on Record
Last Sale	$489,900 (Feb 2024)
Tax Bill	$4,065 (2025)
Deeds & Mortgages	Feb 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-22-32-1312-08-004`

Property Details

APN / Parcel Number

Primary APN	`26-22-32-1312-08-004`
Alternative APNs	`322226131208004` `665786` `673537` `679487`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,280 sqft Living Area
1st Floor Area	2,280 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	119,790 sqft (2.75 acres)
Storage Building	160 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	20396 E COLONIAL DR
City	CHRISTMAS
State	FL
Zip	32709-9707
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	A-2
Legal Description	CHRISTMAS GARDENS NO 1 P/54 THE W 300 FT OF N 442 FT OF E 47 4.65 FT OF LOT 1 BLK 8 (LESS HWY)
Legal Range	32E
Legal Township	22S
Legal Section	26
Legal Subdivision	CHRISTMAS GARDENS NO 1
Legal Tract	1312
Legal Block	8
Legal Lot Number	1
Jurisdiction	ORANGE FL
Township / Civil Division	EAST ORANGE
Census Block Group	1
Census Block	1031
Census Tract	16604

Owner

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	20396 E COLONIAL DR, CHRISTMAS, FL 32709-9707
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 21, 2024 · Amount on Record
Deed Sale	Feb 21, 2024 · Amount on Record
Prior Sale	Jan 23, 2003 · Amount on Record
Deed Document Number	2024103649
Prior Transfer Date	Oct 5, 2006
Prior Transfer Doc	0000221171
Record Updated	Oct 29, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Feb 21, 2024
Property Address	20396 E COLONIAL DR, CHRISTMAS, FL 32709-9707
Document Number	0000103649
Map Reference	MB P PG 54
Instrument Date	Feb 16, 2024
Instrument	20240103649
Transaction Type	Transfer
Record Updated	Mar 7, 2024
Title Company	TITLE SOLUTIONS/FL LLC, TITLE SOLUTIONS OF FL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,429.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	428 E EVANS ST, BAINBRIDGE, GA 39819-4016

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20396 E COLONIAL DR, CHRISTMAS, FL 32709-9707

Mortgage

Document Number	0000103650
Date	Feb 21, 2024
Instrument	20240103650

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

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		$248,669 (-7.32%)	$385,400 (-4.85%) Land $70,000 Building $315,400
2025	$4,065.00 (+409.4%) Homeowner's exemption	$268,309 (+326.44%)	$405,040 (+124.76%) Land $70,000 Building $335,040
2024	$798.00 (+5.14%)
2023	$759.00 (+5.56%) Homeowner's exemption	$62,919 (+3%)	$180,214 (+56.24%) Land $70,000 Building $110,214
2022	$719.00 Homeowner's exemption	$61,086	$115,344 Land $23,959 Building $91,385

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
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	2 in force
Nearby Flood Claims	2 (2022)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2022 · Hurricane Ian

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	High above 88% of the US · above 82% of Florida
Wildfire Likelihood	1% annual chance
Exposure	Direct burnable vegetation

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/WESTERN REGIONAL WTR SYS (5 WPS) serves 206,742 people · EPA ID FL3481546
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 5 locations within half a mile, as of December 31, 2025

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