Orange County property record for 4524 Elderberry Dr, Orlando, FL 32809
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,151 sqft · built 1960 |
| Lot Size | 0.18 acres (7,824 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $330,000 (Mar 2024) |
| Tax Bill | $4,509 (2025) |
| Deeds & Mortgages | Mar 2024 Mortgage Jan 2019 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-23-29-8195-25-060 |
| Primary APN | 20-23-29-8195-25-060 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 1 Room |
| Stories | 1 Story |
| Building Area | 1,151 sqft Living Area |
| Gross Area | 1,558 sqft |
| 1st Floor Area | 851 sqft |
| Utility Area | 60 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1968 |
| Exterior Material | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,824 sqft (0.18 acres) |
| Porch | Florida Room |
|---|---|
| Porch Area | 443 sqft |
| Storage Building | 240 sqft |
| Utility Building | 204 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 4524 ELDERBERRY DR |
|---|---|
| City | ORLANDO |
| State | FL |
| Zip | 32809-4433 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | SOUTHWOOD SUB SECTION 4 X/82 LOT 6 BLK Y |
| Legal Range | 29E |
| Legal Township | 23S |
| Legal Section | 20 |
| Legal Subdivision | SOUTHWOOD SUB SEC 4 |
| Legal Tract | 8195 |
| Legal Block | Y |
| Legal Lot Number | 6 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | ORLANDO |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 16902 |
Source: Orange County records, as of April 30, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 4524 ELDERBERRY DR, ORLANDO, FL 32809-4433 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
| Date | Document |
|---|---|
| Mar 13, 2024 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jan 11, 2019 | Deed of Trust, Mortgage · Line of Credit VALLEY NATIONAL BANK |
| May 1, 2015 | Loan Modification, Mortgage · Conventional Mortgage MICHAEL A ZERIVITZ |
| May 1, 2015 | Loan Modification, Mortgage · Conventional Mortgage MICHAEL A ZERIVITZ |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 13, 2024 · Amount on Record |
| Deed Sale | Mar 13, 2024 · Amount on Record |
| Prior Sale | Jun 5, 2013 · Amount on Record |
| Deed Document Number | 2024148901 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 4524 ELDERBERRY DR, ORLANDO, FL 32809-4433 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2024 |
| Name | Verified Name |
|---|---|
| Address | 4524 ELDERBERRY DR, ORLANDO, FL 32809-4433 |
| Document Number | 0000148902 |
|---|---|
| Date | Mar 13, 2024 |
| Instrument | 20240148902 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 4524 ELDERBERRY DR, ORLANDO, FL 32809-4433 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000024084 |
|---|---|
| Date | Jan 11, 2019 |
| Instrument | 20190024084 |
| Name | VALLEY NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | WINTER PARK, FL 32789 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Dec 18, 2028 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 4524 ELDERBERRY DR, ORLANDO, FL 32809-4433 |
| Document Number | 0000165560 |
| Instrument Date | May 1, 2015 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2018 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 830 JORDAN AVE ORLANDO FL 328096476, ORLANDO, FL 32809-6476 |
| Document Number | 0000165560 |
|---|---|
| Date | Mar 22, 2018 |
| Instrument | 165560 |
| Name | MICHAEL A ZERIVITZ |
|---|---|
| Address | 280 S RONALD REAGAN BLVD, LONGWOOD, FL 32750-5468 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 4524 ELDERBERRY DR, ORLANDO, FL 32809-4433 |
| Document Number | 0000165559 |
| Instrument Date | May 1, 2015 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2018 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 830 JORDAN AVE ORLANDO FL 328096476, ORLANDO, FL 32809-6476 |
| Document Number | 0000165559 |
|---|---|
| Date | Mar 22, 2018 |
| Instrument | 165559 |
| Name | MICHAEL A ZERIVITZ |
|---|---|
| Address | 280 S RONALD REAGAN BLVD, LONGWOOD, FL 32750-5468 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Mar 21, 2019 |
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 | $291,500 (-1.23%) Land $75,000 Building $216,500 | $291,500 (-1.23%) Land $75,000 Building $216,500 | |
| 2025 | $4,509.00 (+57%) | $295,130 (+54.64%) Land $75,000 Building $220,130 | $295,130 (+54.64%) Land $75,000 Building $220,130 |
| 2024 | $2,872.00 (+9.24%) | ||
| 2023 | $2,629.00 (+16.59%) | $190,851 (+25.59%) Land $75,000 Building $115,851 | $190,851 (+25.59%) Land $75,000 Building $115,851 |
| 2022 | $2,255.00 | $151,969 Land $60,000 Building $91,969 | $151,969 Land $60,000 Building $91,969 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 Record median of 103 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 103 in force |
| Nearby Flood Claims | 85 (1994–2022) |
| Claims Outside the SFHA | 5 of 85 |
| Most Recent Claim | Oct 2022 · Hurricane Ian |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 145 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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