Orange County property record for 521 Key Ct, Orlando, FL 32828
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,630 sqft · built 1994 |
| Lot Size | 0.199 acres (8,659 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $367,000 (Jul 2020) |
| Tax Bill | $5,905 (2025) |
| Deeds & Mortgages | Jul 2020 Sale & Mortgage Feb 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-22-31-9050-00-010 |
| Primary APN | 26-22-31-9050-00-010 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,630 sqft Living Area |
| Gross Area | 3,600 sqft |
| 1st Floor Area | 1,868 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,659 sqft (0.199 acres) |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 352 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 521 KEY CT |
|---|---|
| City | ORLANDO |
| State | FL |
| Zip | 32828-9055 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | P-D |
| Legal Description | WATERFORD LAKES TRACT N-24 30/89 LOT 1 |
| Legal Range | 31E |
| Legal Township | 22S |
| Legal Section | 26 |
| Legal Subdivision | WATERFORD LAKES TR N 24 |
| Legal Tract | N-24 |
| Legal Lot Number | 1 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | UNION PARK |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 16743 |
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 | 521 KEY CT, ORLANDO, FL 32828-9055 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Jul 9, 2020 | Warranty Deed, Transfer · Conventional with PMI DRAPER & KRAMER MTG |
| Feb 15, 2019 | Warranty Deed, Transfer · VA Mortgage CHRISTENSEN FINANCIAL INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 9, 2020 · Amount on Record |
| Deed Sale | Jul 9, 2020 · Amount on Record |
| Prior Sale | Feb 15, 2019 · Amount on Record |
| Deed Document Number | 2020369203 |
| Prior Transfer Date | Aug 20, 2004 |
| Prior Transfer Doc | 0000589213 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Jul 9, 2020 |
| Property Address | 521 KEY CT, ORLANDO, FL 32828-9055 |
| Document Number | 0000369203 |
| Instrument Date | Jul 8, 2020 |
| Instrument | 369203 |
| Transaction Type | Transfer |
| Record Updated | Jul 30, 2020 |
| Title Company | SUNSHINE STATE TITLE, SUNSHINE STATE TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,569.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 521 KEY CT ORLANDO FL 328289055, ORLANDO, FL 32828-9055 |
| Document Number | 369204 |
|---|---|
| Date | Jul 9, 2020 |
| Instrument | 369204 |
| Name | DRAPER & KRAMER MTG |
|---|---|
| Type | Mortgage Company |
| Address | DOWNERS GROVE, IL 60515 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 8, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Feb 15, 2019 |
| Property Address | 521 KEY CT, ORLANDO, FL 32828-9055 |
| Document Number | 0000099253 |
| Map Reference | MB 30 PG 89-90 |
| Instrument Date | Feb 14, 2019 |
| Instrument | 20190099253 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2022 |
| Title Company | DOMINION TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,275.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12921 MARIBOU CIR, 12921, ORLANDO, FL 32828-7127 |
| Name | Verified Name |
|---|---|
| Address | 521 KEY CT, ORLANDO, FL 32828-9055 |
| Document Number | 0000099254 |
|---|---|
| Date | Feb 15, 2019 |
| Instrument | 20190099254 |
| Name | CHRISTENSEN FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2049 |
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 | $375,801 (+2.7%) | $496,970 (-1.65%) Land $65,000 Building $431,970 | |
| 2025 | $5,905.00 (+5.28%) Homeowner's exemption | $365,921 (+5.99%) | $505,320 (+10.78%) Land $65,000 Building $440,320 |
| 2024 | $5,609.00 (+7.29%) | ||
| 2023 | $5,228.00 (+4.06%) Homeowner's exemption | $345,250 (+3%) | $456,161 (+14.67%) Land $65,000 Building $391,161 |
| 2022 | $5,024.00 Homeowner's exemption | $335,194 | $397,797 Land $65,000 Building $332,797 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 13 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 13 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 245 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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