Orange County property record for 2781 Pepper Ln, Orlando, FL 32812
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,106 sqft · built 2011 |
| Lot Size | 0.162 acres (7,043 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $237,000 (Nov 2011) |
| Tax Bill | $4,781 (2025) |
| Deeds & Mortgages | May 2021 Second Mortgage Jan 2021 Loan Modification + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-23-30-6811-00-110 |
| Primary APN | 05-23-30-6811-00-110 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,106 sqft Living Area |
| Gross Area | 2,912 sqft |
| 1st Floor Area | 1,086 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2011 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Concrete Block/Stucco |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,043 sqft (0.162 acres) |
| Garage Type | Attached |
| Garage Area | 464 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 162 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 2781 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 11 |
| Legal Range | 30E |
| Legal Township | 23S |
| Legal Section | 05 |
| Legal Subdivision | PEPPER PLANTATION I |
| Legal Tract | 6811 |
| Legal Lot Number | 11 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | ORLANDO |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 13803 |
2781 Pepper Ln is owned and occupied by two individuals who bought it in November 2011.
Source: Orange County records, as of October 12, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2781 PEPPER LN, ORLANDO, FL 32812-5842 |
| 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 |
|---|---|
| May 7, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage MIDFLORIDA CU |
| Jan 13, 2021 | Loan Modification, Mortgage · Conventional Mortgage MR COOPER |
| Jun 15, 2018 | Loan Modification, Mortgage · Conventional Mortgage JPMORGAN CHASE BK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 2, 2011 · Amount on File |
| Deed Sale | Nov 2, 2011 · Amount on File |
| Deed Document Number | 2011577758 |
| Deed Book / Page | 10289 / 1650 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 2781 PEPPER LN, ORLANDO, FL 32812-5842 |
| Transaction Type | Mortgage |
| Record Updated | May 26, 2021 |
| Name | Verified Name |
|---|
| Document Number | 20210278873 |
|---|---|
| Date | May 7, 2021 |
| Instrument | 20210278873 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | May 15, 2036 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 2781 PEPPER LN, ORLANDO, FL 32812-5842 |
| Document Number | 0000048622 |
| Instrument Date | Jan 13, 2021 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2021 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Address | 2781 PEPPER LN ORLANDO FL 328125842, ORLANDO, FL 32812-5842 |
| Document Number | 0000048622 |
|---|---|
| Date | Jan 26, 2021 |
| Instrument | 48622 |
| Name | MR COOPER |
|---|---|
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 25, 2051 |
| Rate | 2.75% |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 2781 PEPPER LN, ORLANDO, FL 32812-5842 |
| Document Number | 0000353354 |
| Instrument Date | Jun 15, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 4, 2018 |
| Name | Verified Name |
|---|---|
| Address | 2781 PEPPER LN ORLANDO FL 328125842, ORLANDO, FL 32812-5842 |
| Document Number | 0000353354 |
|---|---|
| Date | Jun 15, 2018 |
| Instrument | 353354 |
| Name | JPMORGAN CHASE BK NA |
|---|---|
| Address | MONROE, LA 71203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 14, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
The 2025 property tax bill for 2781 Pepper Ln was $4,781, up 3.5% from the year before.
Source: Orange County assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Municipality | Orlando City |
| Unified School District | Orange County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $308,429 (+2.7%) | $488,810 (-1.13%) Land $130,000 Building $358,810 | |
| 2025 | $4,781.00 (+3.48%) Homeowner's exemption | $300,320 | $494,390 Land $130,000 Building $364,390 |
| 2024 | $4,620.00 (+3.63%) | ||
| 2023 | $4,458.00 (+3.1%) Homeowner's exemption | $283,355 (+3%) | $450,919 (+12.88%) Land $130,000 Building $320,919 |
| 2022 | $4,324.00 Homeowner's exemption | $275,102 | $399,456 Land $130,000 Building $269,456 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2781 Pepper Ln in Zone X, an area of minimal flood risk, though there have been 19 flood claims nearby since 2004.
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 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 |
|
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 2781 Pepper Ln is low, with less than a 0.01% annual chance of 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.
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 |
| 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.
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 |
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