4012 Lower Union Rd, Orlando, FL 32814 Property Records

Orange County property record for 4012 Lower Union Rd, Orlando, FL 32814

Property Summary

Property Type	Single Family Home
Details	7 bd · 5.5 ba · 6,288 sqft · built 2013
Lot Size	0.373 acres (16,228 sqft)
Owner	2 Individual Names on File
Last Sale	$285,000 (May 2012)
Tax Bill	$32,333 (2025)
Deeds & Mortgages	Oct 2021 Line of Credit Jun 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`17-22-30-0524-06-750`

Property Details

APN / Parcel Number

Primary APN	`17-22-30-0524-06-750`
Alternative APNs	`302217052406750` `489887` `495562` `500191`

Interior

Bedrooms	7 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	6,288 sqft Living Area
Gross Area	8,951 sqft
1st Floor Area	3,752 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2018
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	16,228 sqft (0.373 acres)
Garage Type	Attached
Garage Area	1,073 sqft
Parking Spaces	4 Parking Spaces
Pool House	399 sqft
Porch	Slab
Porch Area	792 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4012 LOWER UNION RD
City	ORLANDO
State	FL
Zip	32814-6512
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	BALDWIN PARK UNIT 4 54/86 LOT 675
Legal Range	30E
Legal Township	22S
Legal Section	17
Legal Subdivision	BALDWIN PARK UT 4
Legal Tract	524
Legal Block	6
Legal Lot Number	675
Legal Unit	4
Jurisdiction	ORANGE FL
Township / Civil Division	ORLANDO
Census Block Group	1
Census Block	1055
Census Tract	18201

Owner

4012 Lower Union Rd is owned and occupied by two individuals who bought it in May 2012.

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

Owner of Record	2 Individual Names on File
Mailing Address	4012 LOWER UNION RD, ORLANDO, FL 32814-6512
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
Oct 21, 2021	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Jun 29, 2017	Loan Modification, Mortgage · Line of Credit SUNTRUST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2012 · Amount on File
Deed Sale	May 16, 2012 · Amount on File
Prior Sale	Jun 3, 2011 · Amount on File
Deed Document Number	2012257777
Deed Book / Page	10377 / 6601
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	4012 LOWER UNION RD, ORLANDO, FL 32814-6512
Transaction Type	Mortgage
Record Updated	Nov 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4012 LOWER UNION RD, ORLANDO, FL 32814-6512

Mortgage

Document Number	20210643921
Date	Oct 21, 2021
Instrument	20210643921

Lender

Name	TRUIST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ORANGE FL
Property Address	4012 LOWER UNION RD, ORLANDO, FL 32814-6512
Document Number	0000390233
Instrument Date	Jun 29, 2017
Transaction Type	Mortgage
Record Updated	Aug 23, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	4012 LOWER UNION RD ORLANDO FL 328146512, ORLANDO, FL 32814-6512

Mortgage

Document Number	0000390233
Date	Jul 13, 2017
Instrument	390233

Lender

Name	SUNTRUST BK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 12, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4012 Lower Union Rd was $32,333, up 2.6% from the year before.

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

Property Jurisdictions

Type	Name
State	Florida
County	Orange County
Municipality	Orlando City
Unified School District	Orange County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,637,357 (+2.7%)	$2,298,770 (-1.31%) Land $275,000 Building $2,023,770
2025	$32,333.00 (+2.64%) Homeowner's exemption	$1,594,311	$2,329,300 Land $275,000 Building $2,054,300
2024	$31,501.00 (+4.01%)
2023	$30,287.00 (+21.22%) Homeowner's exemption	$1,504,251 (+24.64%)	$2,090,679 (+43.43%) Land $275,000 Building $1,815,679
2022	$24,986.00 Homeowner's exemption	$1,206,886	$1,457,580 Land $275,000 Building $1,182,580

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

Flood

FEMA maps place 4012 Lower Union Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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 37 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	37 in force
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2022 · Hurricane Ian

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

The area around 4012 Lower Union Rd has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 490 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, CenturyLink, Hotwire Communications.

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