521 E Esther St, Orlando, FL 32806 Property Records

Orange County property record for 521 E Esther St, Orlando, FL 32806

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,084 sqft · built 1955
Lot Size	0.172 acres (7,507 sqft)
Owner	Individual Name on File
Last Sale	$399,900 (Apr 2024)
Tax Bill	$5,622 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Mar 2024 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`01-23-29-4548-00-190`

Property Details

APN / Parcel Number

Primary APN	`01-23-29-4548-00-190`
Alternative APNs	`292301454800190` `385203` `390486` `394942`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,084 sqft Living Area
Gross Area	1,481 sqft
1st Floor Area	930 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1960
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,507 sqft (0.172 acres)

Exterior Amenities

Porch	Florida Room
Porch Area	351 sqft
Patio Area	120 sqft
Utility Building	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	521 E ESTHER ST
City	ORLANDO
State	FL
Zip	32806-4023
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1/T
Legal Description	LAKE LANCASTER PLACE G/108 LOT 19
Legal Range	29E
Legal Township	23S
Legal Section	01
Legal Subdivision	LAKE LANCASTER PLACE
Legal Tract	4548
Legal Lot Number	19
Jurisdiction	ORANGE FL
Township / Civil Division	ORLANDO
Census Block Group	3
Census Block	3014
Census Tract	11300

Owner

521 E Esther St is owned and occupied by an individual who acquired it in December 2024.

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

Owner of Record	Individual Name on File
Mailing Address	521 E ESTHER ST, ORLANDO, FL 32806-4023
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

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
Apr 24, 2024	Deed of Trust, Mortgage · Conventional Mortgage LOCAL BANK
Mar 6, 2024	Intrafamily Transfer, Transfer
Jan 14, 2020	Deed of Trust, Mortgage · Conventional with PMI UNITED WHOLESALE MTG
Jan 8, 2020	Quit Claim Deed, Transfer TOWN SQUARE TITLE
Sep 28, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Aug 31, 2017	Warranty Deed, Transfer COBBLESTONE TITLE SERVICES, COBBLESTONE TITLE SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 24, 2024 · Amount on File
Deed Sale	Apr 24, 2024 · Amount on File
Prior Sale	Sep 28, 2017 · Amount on File
Deed Document Number	2024235868
Last Transfer Date	Dec 13, 2024
Transfer Doc	0000716862
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	521 E ESTHER ST, ORLANDO, FL 32806-4023
Transaction Type	Mortgage
Record Updated	May 7, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10009 CREEKWATER BLVD, ORLANDO, FL 32825-7759

Mortgage

Document Number	0000235869
Date	Apr 24, 2024
Instrument	20240235869

Lender

Name	LOCAL BANK
Type	Bank
Address	TUSCALOOSA, AL 35406

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE FL
Recording Date	Mar 6, 2024
Property Address	521 E ESTHER ST, ORLANDO, FL 32806-4023
Document Number	0000132940
Map Reference	MB G PG 108
Instrument Date	Feb 26, 2024
Instrument	20240132940
Transaction Type	Transfer
Record Updated	Mar 22, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2601 E MICHIGAN ST, ORLANDO, FL 32806-5041

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2601 E MICHIGAN ST, ORLANDO, FL 32806-5041

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	521 E ESTHER ST, ORLANDO, FL 32806-4023
Document Number	0000036222
Instrument Date	Jan 14, 2020
Transaction Type	Mortgage
Record Updated	Feb 7, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1407 LANCASTER DR ORLANDO FL 328062320, ORLANDO, FL 32806-2320

Mortgage

Document Number	0000036222
Date	Jan 17, 2020
Instrument	36222

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	Jan 16, 2035

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE FL
Recording Date	Jan 8, 2020
Property Address	521 E ESTHER ST, ORLANDO, FL 32806-4023
Document Number	0000013510
Instrument Date	Jan 7, 2020
Instrument	13510
Transaction Type	Transfer
Record Updated	Feb 5, 2020
Title Company	TOWN SQUARE TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2601 E MICHIGAN ST ORLANDO FL 328065041, ORLANDO, FL 32806-5041

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE FL
Recording Date	Sep 28, 2017
Property Address	521 E ESTHER ST, ORLANDO, FL 32806-4023
Document Number	0000532451
Instrument Date	Sep 28, 2017
Instrument	532451
Transaction Type	Transfer
Record Updated	Oct 10, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$1,393.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2601 E MICHIGAN ST ORLANDO FL 328065041, ORLANDO, FL 32806-5041

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Aug 31, 2017
Property Address	521 E ESTHER ST, ORLANDO, FL 32806-4023
Document Number	0000485718
Instrument Date	Aug 21, 2017
Instrument	485718
Transaction Type	Transfer
Record Updated	Sep 19, 2017
Title Company	COBBLESTONE TITLE SERVICES, COBBLESTONE TITLE SVCS

Transaction

Amount	Amount on Record
Tax	$1,337.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1600 E ROBINSON ST #150 ORLANDO FL 328035947, 150, ORLANDO, FL 32803-5947

Tax Assessment & Valuation

The 2025 property tax bill for 521 E Esther St was $5,622, up 4.3% from the year before.

Source: Orange County assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Orange County
Municipality	Orlando City
Unified School District	Orange County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$332,590 (-2.63%) Land $230,000 Building $102,590	$332,590 (-2.63%) Land $230,000 Building $102,590
2025	$5,622.00 (+4.28%)	$341,570 Land $230,000 Building $111,570	$341,570 Land $230,000 Building $111,570
2024	$5,391.00 (+11.32%)
2023	$4,843.00 (+3.17%)	$261,701 (+3.61%) Land $205,000 Building $56,701	$261,701 (+3.61%) Land $205,000 Building $56,701
2022	$4,694.00	$252,583 Land $205,000 Building $47,583	$252,583 Land $205,000 Building $47,583

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

Flood

FEMA maps place 521 E Esther St in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2000.

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 23 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	23 in force
Nearby Flood Claims	7 (2000–2024)
Claims Outside the SFHA	4 of 7
Most Recent Claim	Sep 2024 · rainfall accumulation
Claims by Event	Hurricane Ian, Sep 2022 · 2 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

Wildfire risk around 521 E Esther St is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 94% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 353 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	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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