4530 Settlement Cir, Orlando, FL 32818 Property Records

Orange County property record for 4530 Settlement Cir, Orlando, FL 32818

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,492 sqft · built 2004
Lot Size	0.19 acres (8,256 sqft)
Owner	2 Individual Names on File
Last Sale	$188,500 (Feb 2004)
Tax Bill	$2,612 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Nov 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`02-22-28-6034-05-660`

Property Details

APN / Parcel Number

Primary APN	`02-22-28-6034-05-660`
Alternative APNs	`282202603405660` `222112` `226642` `231148`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,492 sqft Living Area
Gross Area	3,774 sqft
1st Floor Area	1,289 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,256 sqft (0.19 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	95 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4530 SETTLEMENT CIR
City	ORLANDO
State	FL
Zip	32818-8282
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	OAK LANDING UNIT 1 53/130 LOT 566
Legal Range	28E
Legal Township	22S
Legal Section	02
Legal Subdivision	OAK LANDING UT 1
Legal Tract	6034
Legal Block	5
Legal Lot Number	566
Legal Unit	1
Jurisdiction	ORANGE FL
Township / Civil Division	ORLANDO
Census Block Group	3
Census Block	3010
Census Tract	12303

Owner

4530 Settlement Cir is owned and occupied by two individuals who acquired it in November 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	4530 SETTLEMENT CIR, ORLANDO, FL 32818-8282
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

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 22, 2025	Deed of Trust, Mortgage · Line of Credit M & T BANK
Nov 9, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 19, 2004 · Amount on File
Deed Sale	Feb 19, 2004 · Amount on File
Deed Document Number	2004111154
Deed Book / Page	7314 / 1712
Last Transfer Date	Nov 8, 2023
Transfer Doc	0000652944
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	4530 SETTLEMENT CIR, ORLANDO, FL 32818-8282
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4530 SETTLEMENT CIR, ORLANDO, FL 32818-8282

Mortgage

Document Number	0000613434
Date	Oct 22, 2025
Instrument	20250613434

Lender

Name	M & T BANK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 10, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE FL
Recording Date	Nov 9, 2023
Property Address	4530 SETTLEMENT CIR, ORLANDO, FL 32818-8282
Document Number	0000652944
Instrument Date	Nov 8, 2023
Instrument	20230652944
Transaction Type	Transfer
Record Updated	Dec 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4530 SETTLEMENT CIR, ORLANDO, FL 32818-8282

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4530 SETTLEMENT CIR, ORLANDO, FL 32818-8282

Tax Assessment & Valuation

The 2025 property tax bill for 4530 Settlement Cir was $2,612, up 6.8% 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		$172,247 (+2.7%)	$414,210 (-1.42%) Land $50,000 Building $364,210
2025	$2,612.00 (+6.83%) Homeowner's exemption	$167,719	$420,170 Land $50,000 Building $370,170
2024	$2,445.00 (+6.86%)
2023	$2,288.00 (+4.95%) Homeowner's exemption	$158,245 (+3%)	$371,118 (+17.86%) Land $50,000 Building $321,118
2022	$2,180.00 Homeowner's exemption	$153,636	$314,893 Land $45,000 Building $269,893

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

Flood

FEMA maps place 4530 Settlement 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 18 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	18 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 4530 Settlement Cir is moderate, ranking above 52% 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 52% of the US · lower than 77% of Florida
Wildfire Likelihood	0.09% annual chance
Exposure	Direct 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 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 195 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Xfinity.

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