3520 Kramer Ln, Orlando, FL 32806 Property Records

Orange County property record for 3520 Kramer Ln, Orlando, FL 32806

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 962 sqft · built 1959
Lot Size	0.19 acres (8,256 sqft)
Owner	Individual Name on File
Last Sale	$71,000 (Aug 2011)
Tax Bill	$4,296 (2025)
Deeds & Mortgages	Apr 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-23-30-2150-01-160`

Property Details

APN / Parcel Number

Primary APN	`05-23-30-2150-01-160`
Alternative APNs	`302305215001160` `530924` `536666` `541291`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	1 Room
Stories	1 Story
Building Area	962 sqft Living Area
Gross Area	1,477 sqft
1st Floor Area	962 sqft
Utility Area	117 sqft
Flooring	Terrazzo
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1979
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Built-Up Asphalt
Lot Area	8,256 sqft (0.19 acres)
Garage Type	Carport
Garage Area	380 sqft
Carport	Carport
Carport Area	380 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	18 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3520 KRAMER LN
City	ORLANDO
State	FL
Zip	32806-6620
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	DOVER HEIGHTS X/73 LOT 16 BLK A
Legal Range	30E
Legal Township	23S
Legal Section	05
Legal Subdivision	DOVER HGTS
Legal Tract	2150
Legal Block	A
Legal Lot Number	16
Jurisdiction	ORANGE FL
Township / Civil Division	ORLANDO
Census Block Group	1
Census Block	1000
Census Tract	13802

Owner

3520 Kramer Ln is owned by an individual who bought it in August 2011.

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

Owner of Record	Individual Name on File
Mailing Address	3628 E ESTHER ST, ORLANDO, FL 32812-5117
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	Aug 31, 2011 · Amount on File
Deed Sale	Aug 31, 2011 · Amount on File
Prior Sale	Mar 20, 2007 · Amount on File
Deed Document Number	2011460320
Deed Book / Page	10261 / 3376
Prior Transfer Date	Oct 24, 2008
Prior Transfer Doc	0000682746
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	3520 KRAMER LN, ORLANDO, FL 32806-6620
Transaction Type	Mortgage
Record Updated	Apr 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000232021
Date	Apr 8, 2022
Instrument	20220232021

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	CONSHOHOCKEN, PA 19428

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 3520 Kramer Ln was $4,296, up 8.3% 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		$247,390 (+4.3%) Land $122,000 Building $125,390	$247,390 (-0.94%) Land $122,000 Building $125,390
2025	$4,296.00 (+8.27%)	$237,183	$249,750 Land $122,000 Building $127,750
2024	$3,968.00 (+10.53%)
2023	$3,590.00 (+8.79%)	$238,111 (+7.8%) Land $122,000 Building $116,111	$238,111 (+7.8%) Land $122,000 Building $116,111
2022	$3,300.00	$220,884 Land $122,000 Building $98,884	$220,884 Land $122,000 Building $98,884

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

Flood

FEMA maps place 3520 Kramer Ln 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 39 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	39 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 3520 Kramer Ln is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 95% 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 446 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20