4351 Waterside Pointe Cir, Orlando, FL 32829 Property Records

Orange County property record for 4351 Waterside Pointe Cir, Orlando, FL 32829

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,259 sqft · built 2002
Lot Size	0.12 acres (5,225 sqft)
Owner	Individual Name on File
Last Sale	$380,000 (Oct 2023)
Tax Bill	$4,936 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Oct 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17-23-31-2231-00-180`

Property Details

APN / Parcel Number

Primary APN	`17-23-31-2231-00-180`
Alternative APNs	`312317223100180` `633358` `639676` `644478`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,259 sqft Living Area
Gross Area	1,786 sqft
1st Floor Area	1,259 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2010
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,225 sqft (0.12 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	87 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4351 WATERSIDE POINTE CIR
City	ORLANDO
State	FL
Zip	32829-7231
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	WATERSIDE ESTATES PH 2 49/133 LOT 18
Legal Range	31E
Legal Township	23S
Legal Section	17
Legal Subdivision	WATERSIDE ESTS PH 2
Legal Phase	2
Legal Tract	2231
Legal Lot Number	18
Jurisdiction	ORANGE FL
Township / Civil Division	UNION PARK
Census Block Group	2
Census Block	2000
Census Tract	16753

Owner

4351 Waterside Pointe Cir is owned and occupied by an individual who bought it in October 2023.

Source: Orange County records, as of April 30, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	4351 WATERSIDE POINTE CIR, ORLANDO, FL 32829-7231
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Dec 31, 2025	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Oct 6, 2023	Deed of Trust, Mortgage · FHA Mortgage EVERETT FINANCIAL INC
Feb 17, 2022	Deed of Trust, Mortgage NAVY FCU
Apr 4, 2018	Warranty Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 6, 2023 · Amount on File
Deed Sale	Oct 6, 2023 · Amount on File
Prior Sale	Apr 4, 2018 · Amount on File
Deed Document Number	2023577249
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	4351 WATERSIDE POINTE CIR, ORLANDO, FL 32829-7231
Transaction Type	Mortgage
Record Updated	Jan 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4351 WATERSIDE POINTE CIR, ORLANDO, FL 32829-7231

Mortgage

Document Number	0000744068
Date	Dec 31, 2025
Instrument	20250744068

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	349 Months
Due	Jan 1, 2055

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	4351 WATERSIDE POINTE CIR, ORLANDO, FL 32829-7231
Transaction Type	Mortgage
Record Updated	Oct 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2241 LAKE VILMA DR, ORLANDO, FL 32835-8134

Mortgage

Document Number	0000577250
Date	Oct 6, 2023
Instrument	20230577250

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company
Address	DALLAS, TX 75254

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	4351 WATERSIDE POINTE CIR, ORLANDO, FL 32829-7231
Transaction Type	Mortgage
Record Updated	Mar 4, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4351 WATERSIDE POINTE CIR, ORLANDO, FL 32829-7231

Mortgage

Document Number	0000109278
Date	Feb 17, 2022
Instrument	20220109278

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount on Record
Term	119 Months
Due	Jan 1, 2032

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Apr 4, 2018
Property Address	4351 WATERSIDE POINTE CIR, ORLANDO, FL 32829-7231
Document Number	0000200091
Instrument Date	Mar 29, 2018
Instrument	200091
Transaction Type	Transfer
Record Updated	Apr 17, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,519.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4351 WATERSIDE POINTE CIR ORLANDO FL 328297231, ORLANDO, FL 32829-7231

Mortgage

Document Number	200092
Date	Apr 4, 2018
Instrument	200092

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 3, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 4351 Waterside Pointe Cir was $4,936, up 5.2% 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		$285,510 (-7.19%) Land $85,000 Building $200,510	$285,510 (-7.79%) Land $85,000 Building $200,510
2025	$4,936.00 (+5.25%) Homeowner's exemption	$307,617	$309,630 Land $85,000 Building $224,630
2024	$4,690.00 (+66.55%)
2023	$2,816.00 (+4.8%) Homeowner's exemption	$195,355 (+3%)	$283,062 (+17.6%) Land $85,000 Building $198,062
2022	$2,687.00 Homeowner's exemption	$189,665	$240,706 Land $75,000 Building $165,706

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 4351 Waterside Pointe Cir 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 22 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	22 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 4351 Waterside Pointe Cir is moderate, ranking above 46% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · lower than 82% of Florida
Wildfire Likelihood	0.09% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 196 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Xfinity.

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