Orange County property record for 10209 Birch Tree Ln, Windermere, FL 34786
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,627 sqft · built 1999 |
| Lot Size | 0.617 acres (26,868 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $421,500 (Mar 2015) |
| Tax Bill | $8,190 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-23-28-9334-00-022 |
| Primary APN | 05-23-28-9334-00-022 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,627 sqft Living Area |
| Gross Area | 3,753 sqft |
| 1st Floor Area | 2,627 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 26,868 sqft (0.617 acres) |
| Garage Type | Attached |
| Garage Area | 791 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 335 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 10209 BIRCH TREE LN |
|---|---|
| City | WINDERMERE |
| State | FL |
| Zip | 34786-8025 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | WINDERMERE DOWNS 1ST ADDITION 11/108 THE E 105 FT OF TRACT B |
| Legal Range | 28E |
| Legal Township | 23S |
| Legal Section | 05 |
| Legal Subdivision | WINDERMERE DOWNS 1ST ADD |
| Legal Tract | B |
| Legal Lot Number | 22 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 14814 |
Source: Orange County records, as of May 4, 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 Record |
|---|---|
| Mailing Address | 10209 BIRCH TREE LN, WINDERMERE, FL 34786-8025 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 3, 2015 · Amount on Record |
| Deed Sale | Mar 3, 2015 · Amount on Record |
| Prior Sale | Sep 9, 1998 · Amount on Record |
| Deed Document Number | 2015108917 |
| Deed Book / Page | 10883 / 3260 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 10209 BIRCH TREE LN, WINDERMERE, FL 34786-8025 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2021 |
| Title Company | A AND A TITLE, A & A TITLE |
| Name | Verified Name |
|---|---|
| Address | 10209 BIRCH TREE LN, WINDERMERE, FL 34786-8025 |
| Document Number | 20210651467 |
|---|---|
| Date | Oct 25, 2021 |
| Instrument | 20210651467 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
Source: Orange County assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Unified School District | Orange County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $526,216 (+2.7%) | $738,200 (-1.3%) Land $210,000 Building $528,200 | |
| 2025 | $8,190.00 (+4.26%) Homeowner's exemption | $512,382 (+5.99%) | $747,920 (+15.56%) Land $210,000 Building $537,920 |
| 2024 | $7,855.00 (+7.35%) | ||
| 2023 | $7,317.00 (+3.41%) Homeowner's exemption | $483,439 (+3%) | $647,236 (+18.26%) Land $210,000 Building $437,236 |
| 2022 | $7,076.00 Homeowner's exemption | $469,358 | $547,314 Land $210,000 Building $337,314 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 37 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 37 in force |
| Nearby Flood Claims | 2 (2022–2024) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 160 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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