Orange County property record for 3628 Shell Cove Ln, Orlando, FL 32817
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,224 sqft · built 1991 |
| Lot Size | 0.228 acres (9,945 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $222,000 (Mar 2003) |
| Tax Bill | $3,258 (2025) |
| Deeds & Mortgages | May 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-22-30-3546-00-040 |
| Primary APN | 12-22-30-3546-00-040 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,224 sqft Living Area |
| Gross Area | 3,144 sqft |
| 1st Floor Area | 2,224 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Exterior Material | Stone |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,945 sqft (0.228 acres) |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 392 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 3628 SHELL COVE LN |
|---|---|
| City | ORLANDO |
| State | FL |
| Zip | 32817-1659 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1AA |
| Legal Description | HIDDEN COVE ESTATES 10/12 LOT 4 |
| Legal Range | 30E |
| Legal Township | 22S |
| Legal Section | 12 |
| Legal Subdivision | HIDDEN COVE ESTS |
| Legal Tract | 3546 |
| Legal Lot Number | 4 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | UNION PARK |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 16411 |
3628 Shell Cove Ln is owned and occupied by two individuals who bought it in March 2003.
Source: Orange County records, as of May 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3628 SHELL COVE LN, ORLANDO, FL 32817-1659 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 3, 2003 · Amount on File |
| Deed Sale | Mar 3, 2003 · Amount on File |
| Prior Sale | Jan 20, 1995 · Amount on File |
| Deed Document Number | 2003120944 |
| Deed Book / Page | 6807 / 3997 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 3628 SHELL COVE LN, ORLANDO, FL 32817-1659 |
| Document Number | 0000312012 |
| Instrument Date | May 29, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 17, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3628 SHELL COVE LN ORLANDO FL 328171659, ORLANDO, FL 32817-1659 |
| Document Number | 0000312012 |
|---|---|
| Date | Jun 4, 2020 |
| Instrument | 312012 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Address | TYSONS, VA 22102 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 3, 2050 |
The 2025 property tax bill for 3628 Shell Cove Ln was $3,258, up 6.1% 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 | $219,733 (+2.7%) | $467,360 (-1.52%) Land $70,000 Building $397,360 | |
| 2025 | $3,258.00 (+6.12%) Homeowner's exemption | $213,956 | $474,570 Land $70,000 Building $404,570 |
| 2024 | $3,070.00 (+7.19%) | ||
| 2023 | $2,864.00 (+4.26%) Homeowner's exemption | $201,870 (+3%) | $461,305 (+24.18%) Land $70,000 Building $391,305 |
| 2022 | $2,747.00 Homeowner's exemption | $195,990 | $371,485 Land $70,000 Building $301,485 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3628 Shell Cove 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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 30 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 30 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 risk around 3628 Shell Cove Ln 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 99.8% of the US · lower than 99.7% 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.
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 315 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 8,000 / 8,000 |
| Metronet Fiber | 5,120 / 5,120 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
May also be available: Xfinity.
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