3113 Koval Ct, Orlando, FL 32837 Property Records

Orange County property record for 3113 Koval Ct, Orlando, FL 32837

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 948 sqft · built 1989
Lot Size	0.126 acres (5,500 sqft)
Owner	Individual Name on Record
Tax Bill	$1,133 (2025)
Deeds & Mortgages	Jan 2023 Mortgage Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-24-29-8171-00-850`

Property Details

APN / Parcel Number

Primary APN	`16-24-29-8171-00-850`
Alternative APNs	`292416817100850` `438000` `443655` `448153`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	948 sqft Living Area
Gross Area	1,446 sqft
1st Floor Area	948 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,500 sqft (0.126 acres)
Garage Type	Attached
Garage Area	384 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	114 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3113 KOVAL CT
City	ORLANDO
State	FL
Zip	32837-9091
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	SKY LAKE SOUTH UNITS 6 & 7 PHASE 3B 22/34 LOT 85
Legal Range	29E
Legal Township	24S
Legal Section	16
Legal Subdivision	SKY LAKE SOUTH UTS 6 & 7 PH 3B
Legal Phase	3B
Legal Tract	8171
Legal Lot Number	85
Legal Unit	6
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1007
Census Tract	17018

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	Individual Name on Record
Mailing Address	3113 KOVAL CT, ORLANDO, FL 32837-9091
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2023	Deed of Trust, Mortgage · FHA Mortgage EMBRACE HOME LOANS INC
Jun 19, 2020	Deed of Trust, Mortgage · VA Mortgage EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	3113 KOVAL CT, ORLANDO, FL 32837-9091
Transaction Type	Mortgage
Record Updated	Feb 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3113 KOVAL CT, ORLANDO, FL 32837-9091

Mortgage

Document Number	0000039662
Date	Jan 24, 2023
Instrument	20230039662

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	3113 KOVAL CT, ORLANDO, FL 32837-9091
Document Number	0000356995
Instrument Date	Jun 19, 2020
Transaction Type	Mortgage
Record Updated	Jul 16, 2020
Title Company	MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3113 KOVAL CT ORLANDO FL 328379091, ORLANDO, FL 32837-9091

Mortgage

Document Number	0000356995
Date	Jun 30, 2020
Instrument	356995

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 29, 2040

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$84,824 (+2.7%)	$258,130 (-1.16%) Land $95,000 Building $163,130
2025	$1,133.00 (+12.85%) Homeowner's exemption	$82,594 (+5.99%)	$261,170 (+8.05%) Land $95,000 Building $166,170
2024	$1,004.00 (+7.73%)
2023	$932.00 (+8.37%) Homeowner's exemption	$77,928 (+3%)	$241,709 (+10.57%) Land $95,000 Building $146,709
2022	$860.00 Homeowner's exemption	$75,658	$218,611 Land $95,000 Building $123,611

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	8 in force
Nearby Flood Claims	1 (2026)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2026 · other causes

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 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% 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 575 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
Xfinity Cable	2,000 / 250
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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