537 E Esther St, Orlando, FL 32806 Property Records

Orange County property record for 537 E Esther St, Orlando, FL 32806

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.86 acres (3,753 sqft)
Owner	2 Individual Names on Record
Last Sale	$745,000 (Oct 2023)
Tax Bill	$1,525 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Oct 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-23-29-4548-00-151`

Property Details

APN / Parcel Number

Primary APN	`01-23-29-4548-00-151`
Alternative APNs	`292301454800151` `385198` `390481` `394936`

Interior

Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Lot Area	3,753 sqft (0.86 acres)
Garage Type	Carport
Carport	Carport

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	537 E ESTHER ST
City	ORLANDO
State	FL
Zip	32806
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	R-1/T
Legal Description	LAKE LANCASTER PLACE G/108 LOT 15 (LESS N1/2)
Legal Range	29E
Legal Township	23S
Legal Section	01
Legal Subdivision	LAKE LANCASTER PLACE
Legal Tract	4548
Legal Lot Number	15
Jurisdiction	ORANGE FL
Township / Civil Division	ORLANDO
Census Block Group	3
Census Block	3014
Census Tract	11300

Owner

Source: Orange County records, as of August 10, 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	1920 HAMILTON LN, ORLANDO, FL 32806-4026
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2026	Deed of Trust, Mortgage · Line of Credit COMMUNITY FIRST CREDIT UNION OF FLORIDA
Oct 19, 2023	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY FIRST CREDIT UNION OF FLORIDA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 19, 2023 · Amount on Record
Deed Sale	Oct 19, 2023 · Amount on Record
Deed Document Number	2023606345
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Recording Date	Jul 30, 2026
Property Address	537 E ESTHER ST, ORLANDO, FL 32806
Document Number	0000423485
Instrument Date	Jul 16, 2026
Instrument	2026423485
Transaction Type	Mortgage
Record Updated	Aug 10, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1920 HAMILTON LN, ORLANDO, FL 32806-4026

Mortgage

Document Number	0000423485,
Date	Jul 30, 2026
Instrument	2026423485

Lender

Name	COMMUNITY FIRST CREDIT UNION OF FLORIDA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 28, 2056

Interest

Rate	6.47%
Max Rate	-1%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	537 E ESTHER ST, ORLANDO, FL 32806
Transaction Type	Mortgage
Record Updated	Dec 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000606346
Date	Oct 19, 2023
Instrument	20230606346

Lender

Name	COMMUNITY FIRST CREDIT UNION OF FLORIDA
Type	Credit Union
Address	JACKSONVILLE, FL 32204

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Type Change Date	Nov 1, 2033
Change Frequency	6 Months
Min Rate At Change	4%
Max Rate At Change	11.3%
Index	SOFR Average 30-Day
Max Rate	11.3%

Tax Assessment & Valuation

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		$77,750 (-0.96%) Land $75,000 Building $2,750	$77,750 (-0.96%) Land $75,000 Building $2,750
2025	$1,525.00 (+1.33%)	$78,500 (-) Land $75,000 Building $3,500	$78,500 (-) Land $75,000 Building $3,500
2024	$1,505.00 (+66.3%)	$78,500 (+34.19%) Land $75,000 Building $3,500	$78,500 (+34.19%) Land $75,000 Building $3,500
2023	$905.00 (+25.17%)	$58,500 (+60.27%) Land $55,000 Building $3,500	$58,500 (+60.27%) Land $55,000 Building $3,500
2022	$723.00	$36,500 Land $33,000 Building $3,500	$36,500 Land $33,000 Building $3,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 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

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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