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3776 Spear Point Dr, Orlando, FL 32837 Property Records

Orange County property record for 3776 Spear Point Dr, Orlando, FL 32837

Property Summary

Property TypeSingle Family Home
Details5 bd · 3 ba · 2,731 sqft · built 1999
Lot Size0.363 acres (15,832 sqft)
Owner2 Individual Names on Record
Last Sale$438,000 (Apr 2018)
Tax Bill$10,180 (2025)
Deeds & MortgagesSep 2020 Mortgage
Apr 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN32-24-29-3787-00-380

Property Details

APN / Parcel Number

Primary APN32-24-29-3787-00-380
Alternative APNs
  • 292432378700380
  • 457256
  • 462911
  • 467471

Interior

Bedrooms5 Beds
Full Baths3 Baths
Stories2 Stories
Building Area2,731 sqft Living Area
Gross Area3,824 sqft
1st Floor Area1,492 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1999
Effective Year BuiltEffective 1999
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area15,832 sqft (0.363 acres)
Garage TypeAttached
Garage Area660 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area214 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address3776 SPEAR POINT DR
CityORLANDO
StateFL
Zip32837-5803
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeP-D
Legal DescriptionHUNTERS CREEK TRACT 200/215 PHASE 1 24/148 LOT 38
Legal Range29E
Legal Township24S
Legal Section32
Legal SubdivisionHUNTERS CREEK TR 200/215 PH 1
Legal Phase1
Legal Tract200
Legal Lot Number38
JurisdictionORANGE FL
Township / Civil DivisionSOUTHWEST ORANGE
Census Block Group3
Census Block3006
Census Tract17015

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address3776 SPEAR POINT DR, ORLANDO, FL 32837-5803
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 18, 2020Deed of Trust, Mortgage · Conventional with PMI
TRUSTCO BK
Apr 10, 2018Warranty Deed, Transfer · Conventional Mortgage
TRUSTCO BANK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 10, 2018 · Amount on Record
Deed SaleApr 10, 2018 · Amount on Record
Prior SaleAug 17, 2005 · Amount on Record
Deed Document Number2018212409
Prior Transfer DateMar 30, 2007
Prior Transfer Doc0000213930
Record UpdatedJun 8, 2026

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionORANGE FL
Property Address3776 SPEAR POINT DR, ORLANDO, FL 32837-5803
Document Number0000499689
Instrument DateSep 18, 2020
Transaction TypeMortgage
Record UpdatedOct 9, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3776 SPEAR POINT DR ORLANDO FL 328375803, ORLANDO, FL 32837-5803

Mortgage

Document Number0000499689
DateSep 24, 2020
Instrument499689
Lender
NameTRUSTCO BK
TypeBank
AddressLONGWOOD, FL 32750
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueSep 23, 2050

April 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionORANGE FL
Recording DateApr 10, 2018
Property Address3776 SPEAR POINT DR, ORLANDO, FL 32837-5803
Document Number0000212409
Map ReferenceMB 24 PG 148&149
Instrument DateApr 4, 2018
Instrument20180212409
Transaction TypeTransfer
Record UpdatedJan 3, 2022
Title CompanyEQUITABLE TITLE OF WEST ORLA

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,066.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address300 OXFORD GLEN CT, 300, PURCELLVILLE, VA 20132-3097

Transferred To (Grantee/Buyer)

NameVerified Name
Address3776 SPEAR POINT DR, ORLANDO, FL 32837-5803

Mortgage

Document Number0000212410
DateApr 10, 2018
Instrument20180212410
Lender
NameTRUSTCO BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueApr 4, 2048

Tax Assessment & Valuation

Source: Orange County assessment roll, as of April 30, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOrange County
Unified School DistrictOrange County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$597,360 (-1.44%) Land $125,000 Building $472,360$597,360 (-1.44%) Land $125,000 Building $472,360
2025$10,180.00 (+5.02%)$606,100 (+10.22%) Land $125,000 Building $481,100$606,100 (+10.22%) Land $125,000 Building $481,100
2024$9,693.00 (+12.77%)
2023$8,595.00 (+11.08%)$549,904 (+13.23%) Land $125,000 Building $424,904$549,904 (+13.23%) Land $125,000 Building $424,904
2022$7,738.00$485,638 Land $125,000 Building $360,638$485,638 Land $125,000 Building $360,638

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 25 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies25 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

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

Wildfire RiskLow
lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood0.03% annual chance
ExposureDirect
burnable vegetation

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 SystemOCUD/SOUTHERN WATER SYS (5 WPS)
serves 80,738 people · EPA ID FL3484119
Water SourceGroundwater
Last State InspectionMay 2024
Lead2 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 282 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 35
Verizon
Fixed Wireless		300 / 20
AT&T
DSL · Fiber, Fixed Wireless in parts of the area		100 / 20

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