86 Pine Arbor Dr, Orlando, FL 32825 Property Records

Orange County property record for 86 Pine Arbor Dr, Orlando, FL 32825

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,871 sqft · built 1999
Lot Size	0.189 acres (8,254 sqft)
Owner	Individual Name on Record
Last Sale	$201,000 (Jun 2013)
Tax Bill	$4,082 (2025)
Deeds & Mortgages	Aug 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`30-22-31-4727-00-440`

Property Details

APN / Parcel Number

Primary APN	`30-22-31-4727-00-440`
Alternative APNs	`312230472700440` `614640` `620946` `625746`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,871 sqft Living Area
Gross Area	2,507 sqft
1st Floor Area	1,871 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,254 sqft (0.189 acres)
Garage Type	Attached
Garage Area	445 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	191 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	86 PINE ARBOR DR
City	ORLANDO
State	FL
Zip	32825-3739
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	LAKE UNDERHILL PINES 36/139 LOT 44
Legal Range	31E
Legal Township	22S
Legal Section	30
Legal Subdivision	LAKE UNDERHILL PINES
Legal Tract	4727
Legal Lot Number	44
Jurisdiction	ORANGE FL
Township / Civil Division	UNION PARK
Census Block Group	1
Census Block	1011
Census Tract	16714

Owner

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	86 PINE ARBOR DR, ORLANDO, FL 32825-3739
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 7, 2013 · Amount on Record
Deed Sale	Jun 7, 2013 · Amount on Record
Prior Sale	Aug 16, 1999 · Amount on Record
Deed Document Number	2013301028
Deed Book / Page	10581 / 9034
Record Updated	Jun 8, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	86 PINE ARBOR DR, ORLANDO, FL 32825-3739
Document Number	0000476791
Instrument Date	Aug 11, 2017
Transaction Type	Mortgage
Record Updated	Sep 12, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	86 PINE ARBOR DR ORLANDO FL 328253739, ORLANDO, FL 32825-3739

Mortgage

Document Number	0000476791
Date	Aug 28, 2017
Instrument	476791

Lender

Name	HARBOR CMNTY BK
Type	Bank
Address	ALTAMONTE SPRINGS, FL 32701

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 27, 2042

Interest

Rate Type	Adjustable Rate

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		$265,004 (+2.7%)	$378,960 (-1.35%) Land $100,000 Building $278,960
2025	$4,082.00 (+5.72%) Homeowner's exemption	$258,037 (+5.99%)	$384,140 (+8.85%) Land $100,000 Building $284,140
2024	$3,861.00 (+7.46%)
2023	$3,593.00 (+4.05%) Homeowner's exemption	$243,461 (+3%)	$352,893 (+10.04%) Land $100,000 Building $252,893
2022	$3,453.00 Homeowner's exemption	$236,370	$320,708 Land $105,000 Building $215,708

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
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 38 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	38 in force
Nearby Flood Claims	12 (1991–2022)
Claims Outside the SFHA	7 of 12
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Tropical Storm Fay, Aug 2008 · 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 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.04% 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 226 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	1,200 / 35
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20