Orange County property record for 3275 Breakers Way, Orlando, FL 32825
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,992 sqft · built 2002 |
| Lot Size | 0.136 acres (5,917 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $217,000 (Jun 2016) |
| Tax Bill | $3,622 (2025) |
| Deeds & Mortgages | Mar 2024 Second Mortgage Nov 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-23-31-0206-00-410 |
| Primary APN | 09-23-31-0206-00-410 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,992 sqft Living Area |
| Gross Area | 2,386 sqft |
| 1st Floor Area | 1,992 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,917 sqft (0.136 acres) |
| Garage Type | Attached |
| Garage Area | 380 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Finished/Open Porch |
| Porch Area | 14 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 3275 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 41 |
| Legal Range | 31E |
| Legal Township | 23S |
| Legal Section | 09 |
| Legal Subdivision | ANDOVER CAY PH 3A |
| Legal Phase | 3A |
| Legal Tract | 206 |
| Legal Lot Number | 41 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | UNION PARK |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 16753 |
3275 Breakers Way is owned and occupied by two individuals who bought it in June 2016.
Source: Orange County records, as of April 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3275 BREAKERS WAY, ORLANDO, FL 32825-2735 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants in Common |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 18, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Nov 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC |
| Mar 12, 2020 | Deed of Trust, Mortgage · Conventional Mortgage DISCOVER BK |
| Jan 7, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG |
| Mar 30, 2018 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 24, 2016 · Amount on File |
| Deed Sale | Jun 24, 2016 · Amount on File |
| Prior Sale | Jan 28, 2003 · Amount on File |
| Deed Document Number | 2016325807 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 3275 BREAKERS WAY, ORLANDO, FL 32825-2735 |
| Transaction Type | Mortgage |
| Record Updated | Apr 5, 2024 |
| Name | Verified Name |
|---|---|
| Address | 3275 BREAKERS WAY, ORLANDO, FL 32825-2735 |
| Document Number | 0000158146 |
|---|---|
| Date | Mar 18, 2024 |
| Instrument | 20240158146 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | GREENWOOD, DE 19950 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Mar 11, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 3275 BREAKERS WAY, ORLANDO, FL 32825-2735 |
| Transaction Type | Mortgage |
| Record Updated | Dec 1, 2021 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Address | 3275 BREAKERS WAY, ORLANDO, FL 32825-2735 |
| Document Number | 20210690478 |
|---|---|
| Date | Nov 10, 2021 |
| Instrument | 20210690478 |
| Name | WYNDHAM CAPITAL MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28211 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 3275 BREAKERS WAY, ORLANDO, FL 32825-2735 |
| Document Number | 0000179826 |
| Instrument Date | Mar 12, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 24, 2020 |
| Title Company | ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3275 BREAKERS WAY ORLANDO FL 328252735, ORLANDO, FL 32825-2735 |
| Document Number | 0000179826 |
|---|---|
| Date | Mar 23, 2020 |
| Instrument | 179826 |
| Name | DISCOVER BK |
|---|---|
| Type | Bank |
| Address | NEW CASTLE, DE 19720 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Mar 22, 2030 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 3275 BREAKERS WAY, ORLANDO, FL 32825-2735 |
| Document Number | 0000032768 |
| Instrument Date | Jan 7, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2020 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3275 BREAKERS WAY ORLANDO FL 328252735, ORLANDO, FL 32825-2735 |
| Document Number | 0000032768 |
|---|---|
| Date | Jan 16, 2020 |
| Instrument | 32768 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 324 Months |
| Due | Jan 15, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 3275 BREAKERS WAY, ORLANDO, FL 32825-2735 |
| Document Number | 0000205278 |
| Instrument Date | Mar 30, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 18, 2018 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3275 BREAKERS WAY ORLANDO FL 328252735, ORLANDO, FL 32825-2735 |
| Document Number | 0000205278 |
|---|---|
| Date | Apr 6, 2018 |
| Instrument | 205278 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 336 Months |
| Due | Apr 5, 2046 |
The 2025 property tax bill for 3275 Breakers Way was $3,622, up 5.6% from the year before.
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 | $233,816 (+2.7%) | $388,000 (-1.26%) Land $90,000 Building $298,000 | |
| 2025 | $3,622.00 (+5.63%) Homeowner's exemption | $227,669 | $392,940 Land $90,000 Building $302,940 |
| 2024 | $3,429.00 (+8%) | ||
| 2023 | $3,175.00 (+4.82%) Homeowner's exemption | $214,809 (+3%) | $355,112 (+17.31%) Land $85,000 Building $270,112 |
| 2022 | $3,029.00 Homeowner's exemption | $208,552 | $302,712 Land $75,000 Building $227,712 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3275 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 |
|
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 risk around 3275 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.
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 |
| 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.
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 |
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