1003 Main St, Windermere, FL 34786 Property Records

Orange County property record for 1003 Main St, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,875 sqft · built 1988
Lot Size	0.294 acres (12,800 sqft)
Owner	Individual on Record
Last Sale	$705,000 (Mar 2024)
Tax Bill	$10,086 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Sep 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`17-23-28-9336-00-642`

Property Details

APN / Parcel Number

Primary APN	`17-23-28-9336-00-642`
Alternative APNs	`282317933600642` `284208` `289053` `293215`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,875 sqft Living Area
Gross Area	2,701 sqft
1st Floor Area	1,140 sqft
Utility Area	80 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Stone
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,800 sqft (0.294 acres)
Lot Width	90 ft Width
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	132 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1003 MAIN ST
City	WINDERMERE
State	FL
Zip	34786-8730
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFR
Legal Description	PLAT OF WINDERMERE G/36 THE WLY 90 FT OF NLY 10 FT OF LOT 64 & WLY 90 FT OF LOT 65 66 & 67
Legal Range	28E
Legal Township	23S
Legal Section	17
Legal Subdivision	WINDERMERE
Legal Tract	9336
Legal Lot Number	64,65
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2051
Census Tract	14809

Owner

Source: Orange County assessment roll, 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 on Record
Mailing Address	1003 MAIN ST, WINDERMERE, FL 34786-8730
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2024	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 21, 2019	Deed of Trust, Mortgage · Line of Credit PARTNERS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 7, 2024 · Amount on Record
Deed Sale	Mar 7, 2024 · Amount on Record
Prior Sale	Aug 22, 2003 · Amount on Record
Deed Document Number	2024135518
Prior Transfer Date	Mar 6, 2024
Prior Transfer Doc	0000135511
Record Updated	Jun 8, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Mar 7, 2024
Property Address	1003 MAIN ST, WINDERMERE, FL 34786-8730
Document Number	0000135518
Map Reference	MB G PG 36
Instrument Date	Mar 4, 2024
Instrument	20240135518
Transaction Type	Transfer
Record Updated	Mar 22, 2024
Title Company	WOODEN TITLE AND ESCROW, MODERN TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,935.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6529 FEATHER RIDGE DR, BATON ROUGE, LA 70817-4919

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1003 MAIN ST, WINDERMERE, FL 34786-8730

Mortgage

Document Number	0000135519
Date	Mar 7, 2024
Instrument	20240135519

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1003 MAIN ST, WINDERMERE, FL 34786-8730
Document Number	0000617505
Instrument Date	Sep 21, 2019
Transaction Type	Mortgage
Record Updated	Oct 18, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1003 MAIN ST WINDERMERE FL 347868730, WINDERMERE, FL 34786-8730

Mortgage

Document Number	0000617505
Date	Oct 3, 2019
Instrument	617505

Lender

Name	PARTNERS FCU
Type	Credit Union
Address	ORLANDO, FL 32821

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 2, 2039

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
Municipality	Windermere Town
Unified School District	Orange County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$573,140 (-1.25%) Land $290,000 Building $283,140	$573,140 (-1.25%) Land $290,000 Building $283,140
2025	$10,086.00 (+2.52%)	$580,390 (+129.29%) Land $290,000 Building $290,390	$580,390 (+6.23%) Land $290,000 Building $290,390
2024	$9,838.00 (+144.6%)
2023	$4,022.00 (+3.29%) Homeowner's exemption	$253,127 (+3%)	$546,337 (+34.58%) Land $290,000 Building $256,337
2022	$3,894.00 Homeowner's exemption	$245,754	$405,962 Land $190,000 Building $215,962

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 59 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	59 in force
Nearby Flood Claims	11 (1989–2024)
Claims Outside the SFHA	4 of 11
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Ian, Sep 2022 · 2 claims Hurricane Frances, Sep 2004 · 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 96% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% 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 74 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 35

May also be available: Hotwire Communications, T-Mobile, Verizon.

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