4765 Arrow Rd, Orlando, FL 32812 Property Records

Orange County property record for 4765 Arrow Rd, Orlando, FL 32812

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,871 sqft · built 1979
Lot Size	0.197 acres (8,580 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,448 (2025)
Deeds & Mortgages	Sep 2021 Line of Credit Aug 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-23-30-2960-03-260`

Property Details

APN / Parcel Number

Primary APN	`16-23-30-2960-03-260`
Alternative APNs	`302316296003260` `553367` `559139` `563799`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,871 sqft Living Area
Gross Area	2,572 sqft
1st Floor Area	1,695 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1989
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,580 sqft (0.197 acres)
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	327 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4765 ARROW RD
City	ORLANDO
State	FL
Zip	32812-8206
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	GATLIN HEIGHTS 4/126 LOT 26 BLK C
Legal Range	30E
Legal Township	23S
Legal Section	16
Legal Subdivision	GATLIN HGTS
Legal Tract	2960
Legal Block	C
Legal Lot Number	26
Jurisdiction	ORANGE FL
Township / Civil Division	ORLANDO
Census Block Group	2
Census Block	2016
Census Tract	13607

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4765 ARROW RD, ORLANDO, FL 32812-8206
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2021	Deed of Trust, Mortgage · Line of Credit SEACOAST NATIONAL BANK
Aug 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage SEACOAST NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	4765 ARROW RD, ORLANDO, FL 32812-8206
Transaction Type	Mortgage
Record Updated	Sep 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4765 ARROW RD, BELLE ISLE, FL 32812-8206

Mortgage

Document Number	20210551020
Date	Sep 9, 2021
Instrument	20210551020

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank
Address	STUART, FL 34995

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	4765 ARROW RD, ORLANDO, FL 32812-8206
Document Number	0000543664
Instrument Date	Aug 26, 2019
Transaction Type	Mortgage
Record Updated	Sep 20, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4765 ARROW RD ORLANDO FL 328128206, ORLANDO, FL 32812-8206

Mortgage

Document Number	0000543664
Date	Sep 5, 2019
Instrument	543664

Lender

Name	SEACOAST NAT'L BK
Type	Bank
Address	STUART, FL 34994

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 4, 2049

Tax Assessment & Valuation

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		$167,990 (+2.7%)	$404,420 (-1.32%) Land $110,000 Building $294,420
2025	$2,448.00 (+7.56%) Homeowner's exemption	$163,574 (+5.99%)	$409,850 (+9.33%) Land $110,000 Building $299,850
2024	$2,276.00 (+7.71%)
2023	$2,113.00 (+6.61%) Homeowner's exemption	$154,334 (+4.35%)	$374,888 (+13.1%) Land $110,000 Building $264,888
2022	$1,982.00 Homeowner's exemption	$147,897	$331,459 Land $110,000 Building $221,459

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

Flood

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 Record median of 118 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	118 in force
Nearby Flood Claims	16 (2022)
Claims Outside the SFHA	1 of 16
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Oct 2022 · 8 claims Hurricane Ian, Sep 2022 · 8 claims

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

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

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond 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	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 451 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications, T-Mobile.

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