Orange County property record for 2786 Pepper Ln, Orlando, FL 32812
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,705 sqft · built 2010 |
| Lot Size | 0.162 acres (7,041 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $454,500 (Dec 2021) |
| Tax Bill | $8,635 (2025) |
| Deeds & Mortgages | Jul 2022 Mortgage Dec 2021 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-23-30-6811-00-080 |
| Primary APN | 05-23-30-6811-00-080 |
|---|---|
| Alternative APNs |
|
| 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 | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,041 sqft (0.162 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 108 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 2786 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 8 |
| Legal Range | 30E |
| Legal Township | 23S |
| Legal Section | 05 |
| Legal Subdivision | PEPPER PLANTATION I |
| Legal Tract | 6811 |
| Legal Lot Number | 8 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | ORLANDO |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 13803 |
Source: Orange County records, as of April 30, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 600 GALLERIA PKWY SE, 300, ATLANTA, GA 30339-8146 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Jul 13, 2022 | Deed of Trust, Mortgage · Commercial Mortgage MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS |
| Dec 20, 2021 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Jun 19, 2018 | Warranty Deed, Transfer OTHER |
| Jun 13, 2018 | Warranty Deed, Transfer LAKE MI CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 20, 2021 · Amount on Record |
| Deed Sale | Dec 20, 2021 · Amount on Record |
| Prior Sale | Jun 13, 2018 · Amount on Record |
| Deed Document Number | 2021773941 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 2786 PEPPER LN, ORLANDO, FL 32812-5842 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Title Company | OS NATIONAL LLC |
| Name | Verified Name |
|---|
| Document Number | 0000427042 |
|---|---|
| Date | Jul 13, 2022 |
| Instrument | 20220427042 |
| Name | MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10036 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Dec 20, 2021 |
| Property Address | 2786 PEPPER LN, ORLANDO, FL 32812-5842 |
| Document Number | 0000773941 |
| Map Reference | MB 69 PG 80 |
| Instrument Date | Dec 16, 2021 |
| Instrument | 20210773941 |
| Transaction Type | Transfer |
| Record Updated | Jan 6, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,181.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3955 NW 60TH AVE, 3955, GAINESVILLE, FL 32653-0714 |
| Name | Verified Name |
|---|---|
| Address | 850 NW PKWY SE # 900, 900, MARIETTA, GA 30067 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Jun 19, 2018 |
| Property Address | 2786 PEPPER LN, ORLANDO, FL 32812-5842 |
| Document Number | 0000360404 |
| Instrument Date | May 23, 2018 |
| Instrument | 360404 |
| Transaction Type | Transfer |
| Record Updated | Jul 17, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2786 PEPPER LN ORLANDO FL 328125842, ORLANDO, FL 32812-5842 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Jun 13, 2018 |
| Property Address | 2786 PEPPER LN, ORLANDO, FL 32812-5842 |
| Document Number | 0000349375 |
| Instrument Date | May 23, 2018 |
| Instrument | 349375 |
| Transaction Type | Transfer |
| Record Updated | Jul 9, 2018 |
| Title Company | OTHER |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,324.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2786 PEPPER LN ORLANDO FL 328125842, ORLANDO, FL 32812-5842 |
| Document Number | 349376 |
|---|---|
| Date | Jun 13, 2018 |
| Instrument | 349376 |
| Name | LAKE MI CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49501 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 12, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.86% |
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 | $465,890 (-1.26%) Land $130,000 Building $335,890 | $465,890 (-1.26%) Land $130,000 Building $335,890 | |
| 2025 | $8,635.00 (+3.46%) | $471,830 (+8.69%) Land $130,000 Building $341,830 | $471,830 (+8.69%) Land $130,000 Building $341,830 |
| 2024 | $8,346.00 (+6.24%) | ||
| 2023 | $7,856.00 (+10.06%) | $434,099 (+11.49%) Land $130,000 Building $304,099 | $434,099 (+11.49%) Land $130,000 Building $304,099 |
| 2022 | $7,138.00 | $389,364 Land $130,000 Building $259,364 | $389,364 Land $130,000 Building $259,364 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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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