1005 Down Reserve Ct, Windermere, FL 34786 Property Records

Orange County property record for 1005 Down Reserve Ct, Windermere, FL 34786 · Last verified July 2026

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.704 acres (30,657 sqft)
Owner	2 Individual Names on File
Last Sale	$550,000 (Sep 2020)
Tax Bill	$7,458 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Sep 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-23-28-7496-00-070`

Property Details

APN / Parcel Number

Primary APN	`09-23-28-7496-00-070`
Alternative APNs	`282309749600070` `276195` `281042` `285200`

Exterior

Lot Area	30,657 sqft (0.704 acres)

Location & Zoning

Street Address	1005 DOWN RESERVE CT
City	WINDERMERE
State	FL
Zip	34786-8428
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	LAKE DOWN RESERVE PER ORDINANCE NO.2019-07 LOT 7 F/K/A ROSSE R RESERVE REPLAT PER 91/17
Legal Range	28E
Legal Township	23S
Legal Section	09
Legal Subdivision	ROSSER RESERVE REP
Legal Lot Number	7
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2005
Census Tract	14809

Owner

Source: Orange County records · APN 09-23-28-7496-00-070

Assessment roll updated April 30, 2026 · Last verified July 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 File
Mailing Address	3851 HUNTERS ISLE DR, ORLANDO, FL 32837-5812
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage TD BANK NA
Sep 29, 2020	Grant Deed, Subdivision Related Transfer PREMIER TITLE INSURANCE COMPANY LLC, PREMIER TITLE INS CO LLC
Oct 14, 2019	Trustee's Deed, Transfer · Line of Credit UNION BK&TR

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 29, 2020 · Amount on Record
Deed Sale	Sep 29, 2020 · Amount on Record
Prior Sale	Oct 14, 2019 · Amount on Record
Deed Document Number	2020504986
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1005 ROSSER RESERVE LN, WINDERMERE, FL 34786-8428
Transaction Type	Mortgage
Record Updated	Aug 01, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3851 HUNTERS ISLE DR, ORLANDO, FL 32837-5812

Mortgage

Document Number	0000051479
Date	Jan 27, 2021
Instrument	20210051479

Lender

Name	TD BANK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2051

September 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE FL
Recording Date	Sep 29, 2020
Property Address	1005 ROSSER RESERVE LN, WINDERMERE, FL 34786-8428
Document Number	0000504986
Instrument Date	Sep 28, 2020
Instrument	504986
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 13, 2020
Title Company	PREMIER TITLE INSURANCE COMPANY LLC, PREMIER TITLE INS CO LLC

Transaction

Amount	Amount Recorded
Tax	$3,850.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3851 HUNTERS ISLE DR ORLANDO FL 328375812, ORLANDO, FL 32837-5812

October 2019: Trustee's Deed, Transfer

Document Type	Trustee's Deed
Jurisdiction	ORANGE FL
Recording Date	Oct 14, 2019
Property Address	1005 ROSSER RESERVE LN, WINDERMERE, FL 34786-8428
Document Number	0000640167
Instrument Date	Oct 09, 2019
Instrument	640167
Transaction Type	Transfer
Record Updated	Oct 29, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$13,860.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6238 MASTERS BLVD #E104 ORLANDO FL 328194848, E104, ORLANDO, FL 32819-4848

Mortgage

Document Number	640168
Date	Oct 14, 2019
Instrument	640168

Lender

Name	UNION BK&TR
Type	Bank
Address	3643 S 48TH ST, LINCOLN, NE 68506-4341

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$450,000 (-) Land $450,000	$450,000 (-) Land $450,000
2025	$7,458.00 (-0.09%)	$450,000 (-) Land $450,000	$450,000 (-) Land $450,000
2024	$7,465.00 (+7.33%)
2023	$6,955.00 (-0.26%)	$450,000 (-) Land $450,000	$450,000 (-) Land $450,000
2022	$6,973.00	$450,000 Land $450,000	$450,000 Land $450,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Orange County (12095C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120950148092, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 59 individual NFIP policies nearby
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, river or lake flooding, Hurricane Milton
Claims By Storm	Hurricane Ian, Sep 2022 · 2 claims Hurricane Frances, Sep 2004 · 2 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 86 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Hotwire Communications	Fiber	1,200 / 1,200
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: AT&T, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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