440 Spring River Dr, Orlando, FL 32828 Property Records

Orange County property record for 440 Spring River Dr, Orlando, FL 32828

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,599 sqft · built 2009
Lot Size	0.158 acres (6,878 sqft)
Owner	2 Individual Names on File
Last Sale	$253,400 (Dec 2009)
Tax Bill	$441 (2025)
Deeds & Mortgages	Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31-22-32-7103-00-060`

Property Details

APN / Parcel Number

Primary APN	`31-22-32-7103-00-060`
Alternative APNs	`322231710300060` `669873` `677624` `683576`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,599 sqft Living Area
Gross Area	3,328 sqft
1st Floor Area	1,767 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,878 sqft (0.158 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	141 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	440 SPRING RIVER DR
City	ORLANDO
State	FL
Zip	32828-6984
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	RIVER OAKS AT TIMBER SPRINGS 62/51 LOT 6
Legal Range	32E
Legal Township	22S
Legal Section	31
Legal Subdivision	RIVER OAKS AT TIMBER SPRINGS
Legal Tract	7103
Legal Lot Number	6
Jurisdiction	ORANGE FL
Township / Civil Division	UNION PARK
Census Block Group	2
Census Block	2012
Census Tract	16750

Owner

440 Spring River Dr is owned and occupied by two individuals who bought it in December 2009.

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

Owner of Record	2 Individual Names on File
Mailing Address	440 SPRING RIVER DR, ORLANDO, FL 32828-6984
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2009 · Amount on File
Deed Sale	Dec 4, 2009 · Amount on File
Deed Document Number	2009707086
Deed Book / Page	9971 / 1458
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	440 SPRING RIVER DR, ORLANDO, FL 32828-6984
Document Number	0000619604
Instrument Date	Nov 6, 2020
Transaction Type	Mortgage
Record Updated	Dec 16, 2020
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	440 SPRING RIVER DR ORLANDO FL 328286984, ORLANDO, FL 32828-6984

Mortgage

Document Number	0000619604
Date	Nov 30, 2020
Instrument	619604

Lender

Name	FEDERAL SVGS BK
Type	Federal Savings Bank
Address	CHICAGO, IL 60607

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 29, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 440 Spring River Dr was $441, down 89.4% 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		$297,043 (+2.7%)	$534,450 (-1.48%) Land $80,000 Building $454,450
2025	$441.00 (-89.36%) Homeowner's exemption	$289,234	$542,480 Land $80,000 Building $462,480
2024	$4,143.00 (+7.5%)
2023	$3,854.00 (+3.94%) Homeowner's exemption	$272,896 (+3%)	$489,697 (+19.07%) Land $80,000 Building $409,697
2022	$3,708.00 Homeowner's exemption	$264,948	$411,268 Land $60,000 Building $351,268

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

Flood

FEMA maps place 440 Spring River Dr in Zone X, an area of minimal flood risk.

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 25 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	25 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 440 Spring River Dr is moderate, ranking above 47% 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 47% 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	J;C MHP private · serves 40 people · EPA ID FL3484175
Water Source	Groundwater
Last State Inspection	Feb 2026
Also Mapped Here	OCUD/WESTERN REGIONAL WTR SYS (5 WPS), OCUD/SOUTHERN WATER SYS (5 WPS)
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	10 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 521 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20