3123 Turtle Ln, Orlando, FL 32837 Property Records

Orange County property record for 3123 Turtle Ln, Orlando, FL 32837

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,627 sqft · built 1989
Lot Size	0.228 acres (9,939 sqft)
Owner	2 Individual Names on File
Last Sale	$535,000 (Sep 2021)
Tax Bill	$8,218 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage May 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`33-24-29-3109-00-950`

Property Details

APN / Parcel Number

Primary APN	`33-24-29-3109-00-950`
Alternative APNs	`292433310900950` `458604` `464259` `468822`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,627 sqft Living Area
Gross Area	3,272 sqft
1st Floor Area	2,534 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2010
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,939 sqft (0.228 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	210 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3123 TURTLE LN
City	ORLANDO
State	FL
Zip	32837-7114
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	HUNTERS CREEK TRACT 240 PH 2 20/119 LOT 95
Legal Range	29E
Legal Township	24S
Legal Section	33
Legal Subdivision	HUNTERS CREEK TR 240 PH 2
Legal Phase	2
Legal Tract	240
Legal Lot Number	95
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	3
Census Block	3012
Census Tract	17015

Owner

3123 Turtle Ln is owned and occupied by two individuals who bought it in September 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	3123 TURTLE LN, ORLANDO, FL 32837-7114
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2021	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP
May 14, 2020	Deed of Trust, Mortgage · Conventional with PMI CARDINAL FIN'L
Aug 29, 2019	Grant Deed, Transfer · Conventional with PMI SOFI LNDG
Oct 24, 2018	Quit Claim Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 22, 2021 · Amount on File
Deed Sale	Sep 22, 2021 · Amount on File
Prior Sale	Aug 29, 2019 · Amount on File
Deed Document Number	2021575849
Prior Transfer Date	Oct 10, 2018
Prior Transfer Doc	0000625433
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Sep 22, 2021
Property Address	3123 TURTLE LN, ORLANDO, FL 32837-7114
Document Number	20210575849
Map Reference	MB 20 PG 119&120
Instrument Date	Sep 16, 2021
Instrument	20210575849
Transaction Type	Transfer
Record Updated	Oct 7, 2021
Title Company	CELEBRATION TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,745.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7438 SPARKLING LAKE RD, 7438, ORLANDO, FL 32819-4741

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3123 TURTLE LN, ORLANDO, FL 32837-7114

Mortgage

Document Number	20210575851
Date	Sep 22, 2021
Instrument	20210575851

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	3123 TURTLE LN, ORLANDO, FL 32837-7114
Document Number	0000316920
Instrument Date	May 14, 2020
Transaction Type	Mortgage
Record Updated	Jun 24, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3123 TURTLE LN ORLANDO FL 328377114, ORLANDO, FL 32837-7114

Mortgage

Document Number	0000316920
Date	Jun 8, 2020
Instrument	316920

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 7, 2050

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE FL
Recording Date	Aug 29, 2019
Property Address	3123 TURTLE LN, ORLANDO, FL 32837-7114
Document Number	0000537747
Instrument Date	Aug 23, 2019
Instrument	537747
Transaction Type	Transfer
Record Updated	Sep 19, 2019
Title Company	SOUTHEAST PROF TITLE L

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,904.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3123 TURTLE LN ORLANDO FL 328377114, ORLANDO, FL 32837-7114

Mortgage

Document Number	537748
Date	Aug 29, 2019
Instrument	537748

Lender

Name	SOFI LNDG
Address	COTTONWOOD HEIGHTS, UT 84121

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 28, 2049

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE FL
Recording Date	Oct 24, 2018
Property Address	3123 TURTLE LN, ORLANDO, FL 32837-7114
Document Number	0000625433
Instrument Date	Oct 10, 2018
Instrument	625433
Transaction Type	Transfer
Record Updated	Nov 22, 2018
Title Company	SOUTHEAST PROF TITLE L

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3123 TURTLE LN ORLANDO FL 328377114, ORLANDO, FL 32837-7114

Mortgage

Document Number	625434
Date	Oct 24, 2018
Instrument	625434

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 23, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.62%

Tax Assessment & Valuation

The 2025 property tax bill for 3123 Turtle Ln was $8,218, up 4.1% from the year before.

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		$532,791 (+2.7%)	$593,370 (-1.33%) Land $100,000 Building $493,370
2025	$8,218.00 (+4.08%) Homeowner's exemption	$518,784	$601,370 Land $100,000 Building $501,370
2024	$7,896.00 (+7.46%)
2023	$7,348.00 (+3.46%) Homeowner's exemption	$489,479 (+3%)	$543,644 (+14.4%) Land $100,000 Building $443,644
2022	$7,102.00 Homeowner's exemption	$475,222 Land $100,000 Building $375,222	$475,222 Land $100,000 Building $375,222

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

Flood

FEMA maps place 3123 Turtle Ln in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 25 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	25 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.

Wildfire

Wildfire risk around 3123 Turtle 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	OCUD/SOUTHERN WATER SYS (5 WPS) serves 80,738 people · EPA ID FL3484119
Water Source	Groundwater
Last State Inspection	May 2024
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 142 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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