2118 Opal Dr, Orlando, FL 32822 Property Records

Orange County property record for 2118 Opal Dr, Orlando, FL 32822

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,329 sqft · built 1986
Lot Size	0.144 acres (6,280 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,593 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-23-30-7474-00-650`

Property Details

APN / Parcel Number

Primary APN	`02-23-30-7474-00-650`
Alternative APNs	`302302747400650` `522563` `528305` `532926`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,329 sqft Living Area
Gross Area	1,863 sqft
1st Floor Area	1,329 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1991
Exterior Material	Concrete/Cinder Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,280 sqft (0.144 acres)
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	30 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2118 OPAL DR
City	ORLANDO
State	FL
Zip	32822-8330
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	RIO PINAR LAKES UNIT 3 B 17/53 LOT 65 SEE 6524/5136
Legal Range	30E
Legal Township	23S
Legal Section	02
Legal Subdivision	RIO PINAR LAKES UT 3B
Legal Tract	7474
Legal Lot Number	65
Legal Unit	3
Jurisdiction	ORANGE FL
Township / Civil Division	UNION PARK
Census Block Group	3
Census Block	3006
Census Tract	16715

Owner

2118 Opal Dr is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	2118 OPAL DR, ORLANDO, FL 32822-8330
Occupancy	Owner Occupied
Owner Type	Individual

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
Jun 3, 2022	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Jul 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jul 19, 2018	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2118 OPAL DR, ORLANDO, FL 32822-8330
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2118 OPAL DR, ORLANDO, FL 32822-8330

Mortgage

Document Number	0000349247
Date	Jun 3, 2022
Instrument	20220349247

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2052

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2118 OPAL DR, ORLANDO, FL 32822-8330
Transaction Type	Mortgage
Record Updated	Jul 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2118 OPAL DR, ORLANDO, FL 32822-8330

Mortgage

Document Number	20210420174
Date	Jul 14, 2021
Instrument	20210420174

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2036

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2118 OPAL DR, ORLANDO, FL 32822-8330
Document Number	0000445009
Instrument Date	Jul 19, 2018
Transaction Type	Mortgage
Record Updated	Aug 17, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2118 OPAL DR ORLANDO FL 328228330, ORLANDO, FL 32822-8330

Mortgage

Document Number	0000445009
Date	Jul 27, 2018
Instrument	445009

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 26, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 2118 Opal Dr was $1,593, up 9.6% 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		$109,396 (+2.93%)	$301,930 (-1.17%) Land $90,000 Building $211,930
2025	$1,593.00 (+9.64%) Homeowner's exemption	$106,277	$305,510 Land $90,000 Building $215,510
2024	$1,453.00 (+6.76%)
2023	$1,361.00 (+6.25%) Homeowner's exemption	$100,274 (+3%)	$281,468 (+11.83%) Land $90,000 Building $191,468
2022	$1,281.00 Homeowner's exemption	$97,353	$251,697 Land $90,000 Building $161,697

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

Flood

FEMA maps place 2118 Opal Dr in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2022.

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 33 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	33 in force
Nearby Flood Claims	7 (2022)
Claims Outside the SFHA	2 of 7
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 3 claims

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 2118 Opal Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 94% of Florida
Wildfire Likelihood	0.03% 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 368 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	1,200 / 35
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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