2325 Phillips Rd, Christmas, FL 32709 Property Records

Orange County property record for 2325 Phillips Rd, Christmas, FL 32709

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,800 sqft · built 2003
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$270,000 (Mar 2016)
Tax Bill	$8,504 (2025)
Deeds & Mortgages	Dec 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-22-33-1492-00-014`

Property Details

APN / Parcel Number

Primary APN	`17-22-33-1492-00-014`
Alternative APN	`332217149200014`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,800 sqft Living Area
1st Floor Area	1,800 sqft
Flooring	Carpet

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Patio Area	1,000 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2325 PHILLIPS RD
City	CHRISTMAS
State	FL
Zip	32709-9306
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-2
Legal Description	(NOTE: HOMESTEAD PORTION OF THE FOLLOWING DESCRIBED PROPERTY ) COWARD RANCHES 52/48 PT OF LOT 1 DESC AS COMM SW COR SAID LOT 1 TH N00-13-55W 554.92 FT FOR POB TH CONT N00-13-55W 100
Legal Subdivision	COWARD RANCHES
Jurisdiction	ORANGE FL
Township / Civil Division	EAST ORANGE
Census Block Group	2
Census Block	2022
Census Tract	16604

Owner

2325 Phillips Rd is owned and occupied by two individuals who acquired it in November 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	2325 PHILLIPS RD, CHRISTMAS, FL 32709-9306
Occupancy	Owner Occupied
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2016 · Amount on File
Deed Sale	Mar 31, 2016 · Amount on File
Prior Sale	Dec 20, 2002 · Amount on File
Deed Document Number	2016161478
Last Transfer Date	Nov 30, 2023
Transfer Doc	0000707405
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2325 PHILLIPS RD, CHRISTMAS, FL 32709-9306
Transaction Type	Mortgage
Record Updated	Jan 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2325 PHILLIPS RD, CHRISTMAS, FL 32709-9306

Mortgage

Document Number	0000707406
Date	Dec 8, 2023
Instrument	20230707406

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	372 Months
Due	Dec 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.5%
Type Change Date	Dec 1, 2034
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	12.5%
Margin	3
Max Rate	12.5%

Tax Assessment & Valuation

The 2025 property tax bill for 2325 Phillips Rd was $8,504, up 1,109.7% 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		$548,445 (+0.77%) Land $55,000 Building $493,445	$548,445 (-0.61%) Land $55,000 Building $493,445
2025	$8,504.00 (+1,109.67%)	$544,235	$551,805 Land $55,000 Building $496,805
2024	$703.00 (+7.16%)
2023	$656.00 (+8.25%)	$48,740 (+3%)	$119,597 (+82.87%) Land $55,000 Building $64,597
2022	$606.00	$47,320	$65,400 Land $13,500 Building $51,900

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

Flood

FEMA maps place 2325 Phillips Rd 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 35 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	35 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 2325 Phillips Rd is high, ranking above 88% of the US, with a 1% annual chance of wildfire.

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

Wildfire Risk	High above 88% of the US · above 81% 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 17 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