GOLDEN KEY TITLE SERVICES LLC, GOLDEN KEY TITLE SVCS LLC
Transaction
Amount
Amount on Record
Downpayment
Downpayment on Record
Loan-to-Value (LTV)
LTV on Record
Tax
$2,240.00
Amount Accuracy
Full Amount Stated
Additional
Arm's Length
Transferred From (Grantor/Seller)
Name
Verified Name
Address
3231 LOWNDES DR, 3231, WINTER PARK, FL 32792-2923
Transferred To (Grantee/Buyer)
Name
Verified Name
Address
3231 LOWNDES DR, WINTER PARK, FL 32792-2923
Mortgage
Document Number
0000174769
Date
Mar 26, 2021
Instrument
20210174769
Lender
Name
PRIMARY RESIDENTIAL MORTGAGE INC
Type
Mortgage Company
Agreement
Type
FHA Mortgage
Amount
Amount on Record
Term
360 Months
Due
Mar 1, 2051
Tax Assessment & Valuation
The 2025 property tax bill for 3231 Lowndes Dr was $6,840, up 8.5% 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
$389,640 (-1.8%)Land $110,000Building $279,640
$389,640 (-2.38%)Land $110,000Building $279,640
2025
$6,840.00 (+8.52%)
$396,780
$399,130Land $110,000Building $289,130
2024
$6,303.00 (+11.76%)
2023
$5,640.00 (+14.84%)
$366,987 (+23.11%)Land $110,000Building $256,987
$366,987 (+23.11%)Land $110,000Building $256,987
2022
$4,911.00
$298,106Land $80,000Building $218,106
$298,106Land $80,000Building $218,106
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Flood
FEMA maps place 3231 Lowndes Dr in Zone X, an area of minimal flood risk, within 500 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 500 ft
Flood Insurance Requirement
Not required lenders may require it
Flood Insurance Cost
Premium on File median of 26 policies
Community Rating System
Class 5 (25% premium discount)
Nearby Flood Policies
26 in force
Nearby Flood Claims
15 (2015–2022)
Claims Outside the SFHA
4 of 15
Most Recent Claim
Sep 2022 · Hurricane Ian
Claims by Event
Hurricane Ian, Sep 2022 · 6 claims
Hurricane Irma, Sep 2017 · 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
The area around 3231 Lowndes Dr has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
Wildfire Risk
Not rated no burnable land within 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
WINTER PARK, CITY OF (3 WPS) serves 82,984 people · EPA ID FL3481482
Water Source
Groundwater
Last State Inspection
Jan 2025
Lead
1 ppb (2023) action level 15 ppb
Violations Reported to EPA
Water Quality
Total trihalomethanes resolved · Apr 2021
Treatment and Procedure
None last 10 years
Monitoring and Reporting
1 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 235 locations within half a mile, as of December 31, 2025
Provider
Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area
2,000 / 1,000
Spectrum Cable · Fiber in parts of the area
1,000 / 1,000
Verizon Fixed Wireless
300 / 20
AT&T Fixed Wireless
100 / 20
May also be available: Metronet, T-Mobile, Xfinity.