Orange County property record for 2938 Phillips Rd, Christmas, FL 32709
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,546 sqft · built 2000 |
| Lot Size | 1.41 acres (61,420 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $133,954 (Dec 2020) |
| Tax Bill | $3,564 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Dec 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-22-33-0000-00-013 |
| Primary APN | 17-22-33-0000-00-013 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,546 sqft Living Area |
| Gross Area | 4,096 sqft |
| 1st Floor Area | 2,328 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 61,420 sqft (1.41 acres) |
| Garage Type | Attached |
| Garage Area | 864 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 648 sqft |
| Storage Building | 392 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 2938 PHILLIPS RD |
|---|---|
| City | CHRISTMAS |
| State | FL |
| Zip | 32709-9317 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-CE-5 |
| Legal Description | (NOTE: HOMESTEAD PORTION OF THE FOLLOWING DESCRIBED PROPERTY ) N 672.61 FT OF NW1/4 OF NW1/4 (LESS N 60 FT & LESS R/W ON E & LESS E 80 FT OF N 80 FT OF NW1/4 OF NW1/4)SEE 4023/4092 |
| Legal Range | 33E |
| Legal Township | 22S |
| Legal Section | 17 |
| Legal Subdivision | ACREAGE & UNREC |
| Legal Tract | 0000 |
| Legal Lot Number | 13 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | EAST ORANGE |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 16604 |
Source: Orange County records, as of May 4, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2938 PHILLIPS RD, CHRISTMAS, FL 32709-9317 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Aug 4, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Dec 15, 2020 | Quit Claim Deed, Transfer CARDINAL FIN'L |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 15, 2020 · Amount on Record |
| Deed Sale | Dec 15, 2020 · Amount on Record |
| Prior Sale | Sep 24, 2001 · Amount on Record |
| Deed Document Number | 2020654054 |
| Prior Transfer Date | Nov 24, 2020 |
| Prior Transfer Doc | 0000654054 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 2938 PHILLIPS RD, CHRISTMAS, FL 32709-9317 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2021 |
| Name | Verified Name |
|---|---|
| Address | 2938 PHILLIPS RD, CHRISTMAS, FL 32709-9317 |
| Document Number | 20210472626 |
|---|---|
| Date | Aug 4, 2021 |
| Instrument | 20210472626 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Dec 15, 2020 |
| Property Address | 2938 PHILLIPS RD, CHRISTMAS, FL 32709-9317 |
| Document Number | 0000654054 |
| Instrument Date | Nov 24, 2020 |
| Instrument | 654054 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Amount | Amount Recorded |
|---|---|
| Tax | $938.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2938 PHILLIPS RD CHRISTMAS FL 327099317, CHRISTMAS, FL 32709-9317 |
| Document Number | 654055 |
|---|---|
| Date | Dec 15, 2020 |
| Instrument | 654055 |
| Name | CARDINAL FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | CHARLOTTE, NC 28273 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Dec 14, 2035 |
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 | $243,556 (+2.7%) | $492,986 (-1.54%) Land $60,000 Building $432,986 | |
| 2025 | $3,564.00 (+5.85%) Homeowner's exemption | $237,153 (+5.99%) | $500,706 (+11.04%) Land $60,000 Building $440,706 |
| 2024 | $3,367.00 (+7.37%) | ||
| 2023 | $3,136.00 (+3.98%) Homeowner's exemption | $223,756 (+3%) | $450,906 (+24.24%) Land $60,000 Building $390,906 |
| 2022 | $3,016.00 Homeowner's exemption | $217,239 | $362,931 Land $31,020 Building $331,911 |
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 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 86% of the US · above 78% 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.
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 32 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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