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1004 Down Reserve Ct, Windermere, FL 34786 Property Records

Orange County property record for 1004 Down Reserve Ct, Windermere, FL 34786 · Last verified May 2026

Property Summary

Property TypeSingle Family Home
Details7 bd · 8 ba · 7,381 sqft · built 2024
Lot Size1.32 acres (57,845 sqft)
Owner2 Individual Names on File
Last Sale$1,150,000 (Aug 2020)
Tax Bill$39,749 (2025)
Deeds & MortgagesFeb 2021 Mortgage
Feb 2021 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN09-23-28-7496-00-020

Property Details

APN / Parcel Number

Primary APN09-23-28-7496-00-020
Alternative APNs
  • 282309749600020
  • 276188
  • 281037
  • 285194

Interior

Bedrooms7 Beds
Full Baths8 Baths
Building Area7,381 sqft Living Area
Gross Area14,525 sqft
Utility Area100 sqft

Exterior

Year BuiltBuilt 2024
Effective Year BuiltEffective 2024
Exterior MaterialConcrete Block
Lot Area57,845 sqft (1.32 acres)
Patio Area837 sqft

Location & Zoning

Street Address1004 DOWN RESERVE CT
CityWINDERMERE
StateFL
Zip34786-8428
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLAKE DOWN RESERVE PER ORDINANCE NO.2019-07 LOT 2 F/K/A ROSSE R RESERVE REPLAT PER 91/17
Legal Range28E
Legal Township23S
Legal Section09
Legal SubdivisionROSSER RESERVE REP
Legal Lot Number2
JurisdictionORANGE FL
Township / Civil DivisionSOUTHWEST ORANGE
Census Block Group2
Census Block2004
Census Tract14809

Owner

Source: Orange County records · APN 09-23-28-7496-00-020

Assessment roll updated April 30, 2026 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address1004 DOWN RESERVE CT, WINDERMERE, FL 34786-8428
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 17, 2021Deed of Trust, Mortgage · Conventional Mortgage
COGENT BANK
Feb 17, 2021Deed of Trust, Mortgage · Conventional Mortgage
COGENT BANK
Aug 12, 2020Warranty Deed, Subdivision Related Transfer
COGENT BK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 12, 2020 · Amount on Record
Deed SaleAug 12, 2020 · Amount on Record
Prior SaleOct 14, 2019 · Amount on Record
Deed Document Number2020424894
Record UpdatedJun 08, 2026

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionORANGE FL
Property Address1004 DOWN RESERVE CT, WINDERMERE, FL 34786-8428
Transaction TypeMortgage
Record UpdatedFeb 01, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address8162 LUDINGTON CIR, ORLANDO, FL 32836-5906

Mortgage

Document Number0000093323
DateFeb 17, 2021
Instrument20210093323
Lender
NameCOGENT BANK
TypeBank
AddressORANGE CITY, FL 32763
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2051

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionORANGE FL
Property Address1004 ROSSER RESERVE LN, WINDERMERE, FL 34786-8428
Transaction TypeMortgage
Record UpdatedMar 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address8162 LUDINGTON CIR, ORLANDO, FL 32836-5906

Mortgage

Document Number20210093323
DateFeb 17, 2021
Instrument20210093323
Lender
NameCOGENT BANK
TypeBank
AddressORANGE CITY, FL 32763
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2051

August 2020: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionORANGE FL
Recording DateAug 12, 2020
Property Address1004 ROSSER RESERVE LN, WINDERMERE, FL 34786-8428
Document Number0000424894
Instrument DateAug 06, 2020
Instrument424894
Transaction TypeSubdivision Related Transfer
Record UpdatedSep 24, 2020
Title CompanyPREMIER TITLE INSURANCE COMPANY LLC, PREMIER TITLE INS CO LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$8,050.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address8162 LUDINGTON CIR ORLANDO FL 328365906, ORLANDO, FL 32836-5906

Mortgage

Document Number424895
DateAug 12, 2020
Instrument424895
Lender
NameCOGENT BK
AddressORANGE CITY, FL 32763
Agreement
AmountAmount Recorded
Term120 Months
DueAug 11, 2030

Tax Assessment & Valuation

Source: Orange County records · Assessment roll updated April 30, 2026 · Last verified May 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOrange County
MunicipalityWindermere Town
Unified School DistrictOrange County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2026$2,509,560 (-0.41%) Land $1,100,000 Building $1,409,560$2,509,560 (-0.41%) Land $1,100,000 Building $1,409,560
2025$39,749.00 (+131.98%) Homeowner's exemption$2,519,800 (+129.07%) Land $1,100,000 Building $1,419,800$2,519,800 (+129.07%) Land $1,100,000 Building $1,419,800
2024$17,135.00 (+0.79%)
2023$17,001.00 (+2.73%)$1,100,000 (-) Land $1,100,000$1,100,000 (-) Land $1,100,000
2022$16,549.00$1,100,000 Land $1,100,000$1,100,000 Land $1,100,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Orange County (12095C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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