Orange County property record for 645 E Concord St, Orlando, FL 32803
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,163 sqft · built 1950 |
| Lot Size | 0.146 acres (6,361 sqft) |
| Owner | Individual Name on File |
| Last Sale | $335,000 (Oct 2020) |
| Tax Bill | $5,583 (2025) |
| Deeds & Mortgages | Oct 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-22-29-0096-00-040 |
| Primary APN | 25-22-29-0096-00-040 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,163 sqft Living Area |
| Gross Area | 1,438 sqft |
| 1st Floor Area | 924 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1975 |
| Exterior Material | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,361 sqft (0.146 acres) |
| Porch | Slab |
| Porch Area | 514 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 645 E CONCORD ST |
|---|---|
| City | ORLANDO |
| State | FL |
| Zip | 32803-7102 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2B/T/HP |
| Legal Description | ALBERTSON SUB P/65 LOT 4 |
| Legal Range | 29E |
| Legal Township | 22S |
| Legal Section | 25 |
| Legal Subdivision | ALBERTSON SUB |
| Legal Tract | 96 |
| Legal Lot Number | 4 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | ORLANDO |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 10201 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Lake Eola Heights Historic District listed 1992 · 487 contributing resources · NRIS 91001912 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
645 E Concord St is owned and occupied by an individual who bought it in October 2020.
Source: Orange County records, as of May 4, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 645 E CONCORD ST, ORLANDO, FL 32803-7102 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 20, 2020 · Amount on File |
| Deed Sale | Oct 20, 2020 · Amount on File |
| Prior Sale | Aug 29, 2005 · Amount on File |
| Deed Document Number | 2020546520 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Oct 20, 2020 |
| Property Address | 645 E CONCORD ST, ORLANDO, FL 32803-7102 |
| Document Number | 0000546520 |
| Instrument Date | Oct 15, 2020 |
| Instrument | 546520 |
| Transaction Type | Transfer |
| Record Updated | Oct 30, 2020 |
| Title Company | QUALITY TITLE AND ESCROW LLC, QUALITY TITLE & ESCROW LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,345.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 645 E CONCORD ST ORLANDO FL 328037102, ORLANDO, FL 32803-7102 |
| Document Number | 546521 |
|---|---|
| Date | Oct 20, 2020 |
| Instrument | 546521 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Oct 19, 2040 |
The 2025 property tax bill for 645 E Concord St was $5,583, up 3.6% from the year before.
Source: Orange County assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Municipality | Orlando City |
| Unified School District | Orange County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $350,265 (+2.7%) | $370,930 (-1.83%) Land $204,000 Building $166,930 | |
| 2025 | $5,583.00 (+3.6%) Homeowner's exemption | $341,056 | $377,830 Land $204,000 Building $173,830 |
| 2024 | $5,389.00 (+4.14%) | ||
| 2023 | $5,175.00 (+3.03%) Homeowner's exemption | $321,790 (+3%) | $358,864 (+14.87%) Land $204,000 Building $154,864 |
| 2022 | $5,023.00 Homeowner's exemption | $312,417 Land $204,000 Building $108,417 | $312,417 Land $204,000 Building $108,417 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 645 E Concord St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2017.
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 |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 2 (2017–2024) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
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 risk around 645 E Concord St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 528 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 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Summit Broadband.
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