3220 Breakers Way, Orlando, FL 32825 Property Records

Orange County property record for 3220 Breakers Way, Orlando, FL 32825

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,973 sqft · built 2003
Lot Size	0.169 acres (7,343 sqft)
Owner	Individual Name on File
Last Sale	$350,000 (Jun 2021)
Tax Bill	$5,319 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-23-31-0206-00-500`

Property Details

APN / Parcel Number

Primary APN	`09-23-31-0206-00-500`
Alternative APNs	`312309020600500` `632417` `638728` `643526`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,973 sqft Living Area
Gross Area	2,482 sqft
1st Floor Area	1,973 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,343 sqft (0.169 acres)
Garage Type	Attached
Garage Area	399 sqft
Parking Spaces	1 Parking Space
Porch	Finished/Open Porch
Porch Area	110 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3220 BREAKERS WAY
City	ORLANDO
State	FL
Zip	32825-2735
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	ANDOVER CAY PH 3A 50/89 LOT 50
Legal Range	31E
Legal Township	23S
Legal Section	09
Legal Subdivision	ANDOVER CAY PH 3A
Legal Phase	3A
Legal Tract	206
Legal Lot Number	50
Jurisdiction	ORANGE FL
Township / Civil Division	UNION PARK
Census Block Group	1
Census Block	1001
Census Tract	16753

Owner

3220 Breakers Way is owned and occupied by an individual who bought it in June 2021.

Source: Orange County records, as of April 30, 2026

Owner of Record	Individual Name on File
Mailing Address	3220 BREAKERS WAY, ORLANDO, FL 32825-2735
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2021 · Amount on File
Deed Sale	Jun 30, 2021 · Amount on File
Prior Sale	Dec 2, 2016 · Amount on File
Deed Document Number	2021391544
Record Updated	Oct 29, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jun 30, 2021
Property Address	3220 BREAKERS WAY, ORLANDO, FL 32825-2735
Document Number	20210391544
Map Reference	MB 50 PG 89-91
Instrument Date	Jun 25, 2021
Instrument	20210391544
Transaction Type	Transfer
Record Updated	Jul 21, 2021
Title Company	CLEAR TITLE/FL LLC, CLEAR TITLE OF FLORIDA LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	601 FIELDSTREAM BLVD, 601, ORLANDO, FL 32825-7209

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12414 BEACONTREE WAY, ORLANDO, FL 32837-6561
Investor	Possibly a Property Investor

Mortgage

Document Number	20210391545
Date	Jun 30, 2021
Instrument	20210391545

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 3220 Breakers Way was $5,319, up 4.7% 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		$342,136 (+2.7%)	$395,830 (-1.26%) Land $90,000 Building $305,830
2025	$5,319.00 (+4.73%) Homeowner's exemption	$333,141	$400,890 Land $90,000 Building $310,890
2024	$5,079.00 (+7.77%)
2023	$4,713.00 (+4.09%) Homeowner's exemption	$314,322 (+3%)	$358,988 (+17.64%) Land $85,000 Building $273,988
2022	$4,528.00 Homeowner's exemption	$305,167 Land $75,000 Building $230,167	$305,167 Land $75,000 Building $230,167

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

Flood

FEMA maps place 3220 Breakers Way 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 A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 32 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	32 in force
Nearby Flood Claims	2 (2022)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 2 claims

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 3220 Breakers Way is high, ranking above 85% of the US, with a 0.9% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 85% of the US · above 77% of Florida
Wildfire Likelihood	0.9% annual chance
Exposure	Direct burnable vegetation

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 153 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Spectrum Cable	1,000 / 1,000
AT&T Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20