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1011 Down Reserve Ct, Windermere, FL 34786 Property Records

Orange County property record for 1011 Down Reserve Ct, Windermere, FL 34786 · Last verified May 2026

Property Summary

Property TypeSingle Family Home
Details5 bd · 6 ba · 6,917 sqft
Lot Size0.899 acres (39,139 sqft)
Owner2 Individual Names on File
Last Sale$524,000 (Jan 2021)
Tax Bill$50,971 (2025)
Deeds & MortgagesApr 2021 Construction Loan
Apr 2021 Construction Loan
+ 2 more
Flood ZoneZone X (minimal risk)
APN09-23-28-7496-00-100

Property Details

APN / Parcel Number

Primary APN09-23-28-7496-00-100
Alternative APNs
  • 282309749600100
  • 276199
  • 281046
  • 285204

Interior

Bedrooms5 Beds
Full Baths6 Baths
Building Area6,917 sqft Living Area
Gross Area10,184 sqft

Exterior

Lot Area39,139 sqft (0.899 acres)

Location & Zoning

Street Address1011 DOWN RESERVE CT
CityWINDERMERE
StateFL
Zip34786-8428
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLAKE DOWN RESERVE PER ORDINANCE NO.2019-07 LOT 10 F/K/A ROSS ER RESERVE REPLAT PER 91/17
Legal Range28E
Legal Township23S
Legal Section09
Legal SubdivisionROSSER RESERVE REP
Legal Lot Number10
JurisdictionORANGE FL
Township / Civil DivisionSOUTHWEST ORANGE
Census Block Group2
Census Block2005
Census Tract14809

Owner

Source: Orange County records · APN 09-23-28-7496-00-100

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 Address1011 DOWN RESERVE CT, WINDERMERE, FL 34786-8428
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 28, 2021Deed of Trust, Mortgage · Construction Mortgage
FINEMARK NATIONAL BANK & TRUST
Apr 28, 2021Deed of Trust, Mortgage · Construction Mortgage
FINEMARK NATIONAL BANK & TRUST
Jan 12, 2021Grant Deed, Transfer
PREMIER TITLE INSURANCE COMPANY LLC, PREMIER TITLE INS CO LLC
Oct 14, 2019Trustee's Deed, Transfer · Line of Credit
UNION BK&TR

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 12, 2021 · Amount on Record
Deed SaleJan 12, 2021 · Amount on Record
Deed Document Number202121216
Record UpdatedJun 08, 2026

April 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionORANGE FL
Property Address1011 DOWN RESERVE CT, WINDERMERE, FL 34786-8428
Transaction TypeMortgage
Record UpdatedDec 09, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
InvestorPossibly a Property Investor

Mortgage

Document Number0000254907
DateApr 28, 2021
Instrument20210254907
Lender
NameFINEMARK NATIONAL BANK & TRUST
TypeBank
AddressSCOTTSDALE, AZ 85255
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2051
Interest
Rate TypeAdjustable Rate
Rate3.5%

April 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionORANGE FL
Property Address1011 ROSSER RESERVE LN, WINDERMERE, FL 34786-8428
Transaction TypeMortgage
Record UpdatedMay 19, 2021
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number20210254907
DateApr 28, 2021
Instrument20210254907
Lender
NameFINEMARK NATIONAL BANK & TRUST
TypeBank
AddressSCOTTSDALE, AZ 85255
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2051
Interest
Rate TypeAdjustable Rate
Rate3.5%

January 2021: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionORANGE FL
Recording DateJan 12, 2021
Property Address1011 ROSSER RESERVE LN, WINDERMERE, FL 34786-8428
Document Number0000021216
Instrument DateJan 11, 2021
Instrument21216
Transaction TypeTransfer
Record UpdatedFeb 01, 2021
Title CompanyPREMIER TITLE INSURANCE COMPANY LLC, PREMIER TITLE INS CO LLC

Transaction

AmountAmount Recorded
Tax$3,668.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address6809 VALHALLA WAY WINDERMERE FL 347865627, WINDERMERE, FL 34786-5627

October 2019: Trustee's Deed, Transfer

Document TypeTrustee's Deed
JurisdictionORANGE FL
Recording DateOct 14, 2019
Property Address1011 ROSSER RESERVE LN, WINDERMERE, FL 34786-8428
Document Number0000640167
Instrument DateOct 09, 2019
Instrument640167
Transaction TypeTransfer
Record UpdatedOct 29, 2019
Title CompanyTITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$13,860.00
Additional
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address6238 MASTERS BLVD #E104 ORLANDO FL 328194848, E104, ORLANDO, FL 32819-4848

Mortgage

Document Number640168
DateOct 14, 2019
Instrument640168
Lender
NameUNION BK&TR
TypeBank
Address3643 S 48TH ST, LINCOLN, NE 68506-4341
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

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$3,389,305 (+2.7%)$3,776,340 (-0.63%) Land $450,000 Building $3,326,340
2025$50,971.00 (+582.8%)$3,300,200 (+633.38%)$3,800,200 (+744.49%) Land $450,000 Building $3,350,200
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 ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 59 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies59 in force
50 of 59 on primary residences
Nearby Flood Claims11 (1989–2024)
Claims Outside the SFHA4 of 11
Most Recent ClaimOct 2024, river or lake flooding, Hurricane Milton
Flood Events
  • Hurricane Ian (Sep 2022), 2 claims
  • Hurricane Frances (Sep 2004), 2 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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.

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