Orange County property record for 2403 Phillips Rd, Christmas, FL 32709
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,007 sqft · built 2020 |
| Lot Size | 21.7 acres (946,559 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $925,000 (Nov 2021) |
| Tax Bill | $9,998 (2025) |
| Deeds & Mortgages | Nov 2021 Sale & Mortgage Sep 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-22-33-1492-00-016 |
| Primary APN | 17-22-33-1492-00-016 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,007 sqft Living Area |
| Gross Area | 3,063 sqft |
| 1st Floor Area | 2,007 sqft |
| Utility Area | 2,160 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 946,559 sqft (21.7 acres) |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Pool Type | Pool with Hot Tub/Spa |
|---|---|
| Porch | Slab |
| Porch Area | 480 sqft |
| Storage Building | 300 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 2403 PHILLIPS RD |
|---|---|
| City | CHRISTMAS |
| State | FL |
| Zip | 32709-9300 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A-2 |
| Legal Description | COWARD RANCHES 52/48 PT OF LOT 1 DESC AS COMM SW COR SAID LO T 1 TH N00-13-55W 654.93 FT FOR POB TH CONT N00-13-55W 211.2 4 FT S89-30-24E 618.22 FT N36-10-02E 156.91 FT N47-37-48E 30 |
| Legal Range | 33E |
| Legal Township | 22S |
| Legal Section | 17 |
| Legal Subdivision | COWARD RANCHES |
| Legal Tract | 1492 |
| Legal Lot Number | 1 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | EAST ORANGE |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 16604 |
2403 Phillips Rd is owned and occupied by two individuals who bought it in November 2021.
Source: Orange County records, as of May 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2403 PHILLIPS RD, CHRISTMAS, FL 32709-9300 |
| 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.
| Date | Document |
|---|---|
| Nov 1, 2021 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Sep 27, 2019 | Deed of Trust, Mortgage FAIRWINDS CU |
| Jan 14, 2019 | Warranty Deed, Transfer · Conventional Mortgage FAIRWINDS CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 1, 2021 · Amount on File |
| Deed Sale | Nov 1, 2021 · Amount on File |
| Prior Sale | Jan 14, 2019 · Amount on File |
| Deed Document Number | 2021667389 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Nov 1, 2021 |
| Property Address | 2403 PHILLIPS RD, CHRISTMAS, FL 32709-9300 |
| Document Number | 20210667389 |
| Map Reference | MB 52 PG 48 |
| Instrument Date | Oct 29, 2021 |
| Instrument | 20210667389 |
| Transaction Type | Transfer |
| Record Updated | Nov 18, 2021 |
| Title Company | NOT AVAILABLE, DOMINION TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,475.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12618 LAKEBROOK DR, 12618, ORLANDO, FL 32828-8714 |
| Name | Verified Name |
|---|---|
| Address | 2403 PHILLIPS RD, CHRISTMAS, FL 32709-9300 |
| Document Number | 20210667390 |
|---|---|
| Date | Nov 1, 2021 |
| Instrument | 20210667390 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 2403 PHILLIPS RD, CHRISTMAS, FL 32709-9300 |
| Document Number | 0000609164 |
| Instrument Date | Sep 27, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 15, 2019 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 12618 LAKEBROOK DR ORLANDO FL 328288714, ORLANDO, FL 32828-8714 |
| Document Number | 0000609164 |
|---|---|
| Date | Sep 30, 2019 |
| Instrument | 609164 |
| Name | FAIRWINDS CU |
|---|---|
| Address | ORLANDO, FL 32826 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Sep 29, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Jan 14, 2019 |
| Property Address | 2403 PHILLIPS RD, CHRISTMAS, FL 32709-9300 |
| Document Number | 0000026038 |
| Instrument Date | Jan 11, 2019 |
| Instrument | 26038 |
| Transaction Type | Transfer |
| Record Updated | Feb 5, 2019 |
| Title Company | FIRST SERVICE TITLE, FIRST SERVICE TITLE/FL LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,456.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1182 GALLANT FOX WAY CHULUOTA FL 327669131, CHULUOTA, FL 32766-9131 |
| Document Number | 26039 |
|---|---|
| Date | Jan 14, 2019 |
| Instrument | 26039 |
| Name | FAIRWINDS CU |
|---|---|
| Address | ORLANDO, FL 32826 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 13, 2034 |
The 2025 property tax bill for 2403 Phillips Rd was $9,998, up 3.9% from the year before.
Source: Orange County assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Unified School District | Orange County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $654,314 (+2.7%) | $676,134 (-1.07%) Land $207,424 Building $468,710 | |
| 2025 | $9,998.00 (+3.88%) Homeowner's exemption | $637,112 | $683,414 Land $207,424 Building $475,990 |
| 2024 | $9,625.00 (+35.43%) | ||
| 2023 | $7,107.00 (+3.19%) Homeowner's exemption | $480,674 (+3%) | $528,834 (+13.32%) Land $207,424 Building $321,410 |
| 2022 | $6,887.00 Homeowner's exemption | $466,674 Land $190,424 Building $276,250 | $466,674 Land $190,424 Building $276,250 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2403 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 risk around 2403 Phillips Rd is very high, ranking above 91% 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 | Very High above 91% of the US · above 85% of Florida |
|---|---|
| Wildfire Likelihood | 1% annual chance |
| Exposure | Direct burnable vegetation |
Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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 |
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