2768 Pepper Ln, Orlando, FL 32812 Property Records

Orange County property record for 2768 Pepper Ln, Orlando, FL 32812

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,705 sqft · built 2010
Lot Size	0.178 acres (7,756 sqft)
Owner	2 Individual Names on Record
Last Sale	$350,000 (Sep 2020)
Tax Bill	$7,810 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-23-30-6811-00-061`

Property Details

APN / Parcel Number

Primary APN	`05-23-30-6811-00-061`
Alternative APNs	`302305681100061` `531597` `537342` `541965`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,705 sqft Living Area
Gross Area	2,254 sqft
1st Floor Area	1,705 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,756 sqft (0.178 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	108 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2768 PEPPER LN
City	ORLANDO
State	FL
Zip	32812-5842
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD/AN
Legal Description	PEPPER PLANTATION I 69/80 LOT 6B
Legal Range	30E
Legal Township	23S
Legal Section	05
Legal Subdivision	PEPPER PLANTATION I
Legal Tract	6811
Legal Lot Number	6B
Jurisdiction	ORANGE FL
Township / Civil Division	ORLANDO
Census Block Group	1
Census Block	1013
Census Tract	13803

Owner

Source: Orange County records, as of May 4, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2768 PEPPER LN, ORLANDO, FL 32812-5842
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2020 · Amount on Record
Deed Sale	Sep 18, 2020 · Amount on Record
Prior Sale	Apr 27, 2016 · Amount on Record
Deed Document Number	2020490614
Record Updated	Jun 8, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Sep 18, 2020
Property Address	2768 PEPPER LN, ORLANDO, FL 32812-5842
Document Number	0000490614
Instrument Date	Sep 18, 2020
Instrument	490614
Transaction Type	Transfer
Record Updated	Oct 8, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2768 PEPPER LN ORLANDO FL 328125842, ORLANDO, FL 32812-5842

Mortgage

Document Number	490615
Date	Sep 18, 2020
Instrument	490615

Lender

Name	WATERSTONE MTG CORP
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 17, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$421,710 (-1.06%) Land $130,000 Building $291,710	$421,710 (-1.06%) Land $130,000 Building $291,710
2025	$7,810.00 (+6.24%)	$426,240 (+8.97%) Land $130,000 Building $296,240	$426,240 (+8.97%) Land $130,000 Building $296,240
2024	$7,351.00 (+8.39%)
2023	$6,782.00 (+10.8%)	$391,164 (+12.53%) Land $130,000 Building $261,164	$391,164 (+12.53%) Land $130,000 Building $261,164
2022	$6,121.00	$347,612 Land $130,000 Building $217,612	$347,612 Land $130,000 Building $217,612

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

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 50 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	50 in force
Nearby Flood Claims	19 (2004–2022)
Claims Outside the SFHA	2 of 19
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 9 claims Hurricane Ian, Sep 2022 · 8 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

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

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% 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	ORLANDO UTILITIES COMMISSION serves 536,466 people · EPA ID FL3480962
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2019
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 307 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
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20