3545 Cirque Cir, Orlando, FL 32817 Property Records

Orange County property record for 3545 Cirque Cir, Orlando, FL 32817

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,072 sqft · built 1988
Lot Size	0.237 acres (10,330 sqft)
Owner	2 Individual Names on File
Last Sale	$308,000 (Mar 2019)
Tax Bill	$3,685 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Mar 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-22-31-8390-00-480`

Property Details

APN / Parcel Number

Primary APN	`08-22-31-8390-00-480`
Alternative APNs	`312208839000480` `590925` `597186` `601916`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,072 sqft Living Area
Gross Area	2,749 sqft
1st Floor Area	1,352 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,330 sqft (0.237 acres)
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	30 sqft
Storage Building	160 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3545 CIRQUE CIR
City	ORLANDO
State	FL
Zip	32817-2059
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	REPLAT OF SUMMER WOODS 19/124 LOT 48
Legal Range	31E
Legal Township	22S
Legal Section	08
Legal Subdivision	SUMMER WOODS REP OF
Legal Tract	8390
Legal Lot Number	48
Jurisdiction	ORANGE FL
Township / Civil Division	UNION PARK
Census Block Group	2
Census Block	2005
Census Tract	16504

Owner

3545 Cirque Cir is owned and occupied by two individuals who bought it in March 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	3545 CIRQUE CIR, ORLANDO, FL 32817-2059
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
Aug 20, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG
Mar 25, 2019	Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Jan 31, 2017	Quit Claim Deed, Transfer · FHA Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 25, 2019 · Amount on File
Deed Sale	Mar 25, 2019 · Amount on File
Prior Sale	Jan 31, 2017 · Amount on File
Deed Document Number	2019176287
Prior Transfer Date	Jan 11, 2017
Prior Transfer Doc	0000057474
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	3545 CIRQUE CIR, ORLANDO, FL 32817-2059
Document Number	0000449432
Instrument Date	Aug 20, 2020
Transaction Type	Mortgage
Record Updated	Sep 10, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3545 CIRQUE CIR ORLANDO FL 328172059, ORLANDO, FL 32817-2059

Mortgage

Document Number	0000449432
Date	Aug 26, 2020
Instrument	449432

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 25, 2050

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Mar 25, 2019
Property Address	3545 CIRQUE CIR, ORLANDO, FL 32817-2059
Document Number	0000176287
Map Reference	MB 19 PG 124&125
Instrument Date	Mar 22, 2019
Instrument	20190176287
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,156.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3545 CIRQUE CIR, 3545, ORLANDO, FL 32817-2059

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	541 COVENTRY CT, MOUNT DORA, FL 32757-6235

Mortgage

Document Number	0000176288
Date	Mar 25, 2019
Instrument	20190176288

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE FL
Recording Date	Jan 31, 2017
Property Address	3545 CIRQUE CIR, ORLANDO, FL 32817-2059
Document Number	0000057474
Instrument Date	Jan 11, 2017
Instrument	57474
Transaction Type	Transfer
Record Updated	Aug 16, 2018
Title Company	SERVICELINK

Transaction

Amount	Amount on Record
Tax	$273.70
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3545 CIRQUE CIR ORLANDO FL 328172059, ORLANDO, FL 32817-2059

Mortgage

Document Number	57475
Date	Jan 31, 2017
Instrument	57475

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 30, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3545 Cirque Cir was $3,685, up 5.7% 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		$240,890 (+2.7%)	$420,270 (-2.19%) Land $55,000 Building $365,270
2025	$3,685.00 (+5.71%) Homeowner's exemption	$234,557	$429,690 Land $55,000 Building $374,690
2024	$3,486.00 (+7.46%)
2023	$3,244.00 (+4.17%) Homeowner's exemption	$221,308 (+3%)	$388,324 (+14.52%) Land $55,000 Building $333,324
2022	$3,114.00 Homeowner's exemption	$214,862	$339,081 Land $55,000 Building $284,081

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

Flood

FEMA maps place 3545 Cirque Cir in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 2022.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 21 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	21 in force
Nearby Flood Claims	11 (2022–2024)
Claims Outside the SFHA	4 of 11
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 3 claims Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 3 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 3545 Cirque Cir 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 99.1% of the US · lower than 98.7% 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 567 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
AT&T Fiber · Fixed Wireless	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Xfinity.

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