Orange County property record for 10300 Birch Tree Ln, Windermere, FL 34786
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,993 sqft · built 1998 |
| Lot Size | 0.999 acres (43,523 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $440,000 (Mar 2002) |
| Tax Bill | $7,825 (2025) |
| Deeds & Mortgages | May 2022 Line of Credit Nov 2017 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-23-28-9335-00-100 |
| Primary APN | 05-23-28-9335-00-100 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,993 sqft Living Area |
| Gross Area | 4,511 sqft |
| 1st Floor Area | 2,738 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 43,523 sqft (0.999 acres) |
| Garage Type | Attached |
| Garage Area | 930 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 543 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 10300 BIRCH TREE LN |
|---|---|
| City | WINDERMERE |
| State | FL |
| Zip | 34786-8020 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-CE |
| Legal Description | WINDERMERE DOWNS PHASE 3 28/26 LOT 10 |
| Legal Range | 28E |
| Legal Township | 23S |
| Legal Section | 05 |
| Legal Subdivision | WINDERMERE DOWNS PH 3 |
| Legal Phase | 3 |
| Legal Tract | 9335 |
| Legal Lot Number | 10 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 14814 |
10300 Birch Tree Ln is owned and occupied by two individuals who bought it in March 2002.
Source: Orange County records, as of May 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10300 BIRCH TREE LN, WINDERMERE, FL 34786-8020 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 3, 2022 | Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK |
| Nov 13, 2017 | Loan Modification, Mortgage · Line of Credit TRUSTCO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 18, 2002 · Amount on File |
| Deed Sale | Mar 18, 2002 · Amount on File |
| Prior Sale | May 16, 1997 · Amount on File |
| Deed Book / Page | 6480 / 1736 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 10300 BIRCH TREE LN, WINDERMERE, FL 34786-8020 |
| Transaction Type | Mortgage |
| Record Updated | May 19, 2022 |
| Name | Verified Name |
|---|---|
| Address | 10300 BIRCH TREE LN, WINDERMERE, FL 34786-8020 |
| Document Number | 0000286699 |
|---|---|
| Date | May 3, 2022 |
| Instrument | 20220286699 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | LONGWOOD, FL 32750 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Apr 27, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 10300 BIRCH TREE LN, WINDERMERE, FL 34786-8020 |
| Document Number | 0000642707 |
| Instrument Date | Nov 13, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10300 BIRCH TREE LN WINDERMERE FL 347868020, WINDERMERE, FL 34786-8020 |
| Document Number | 0000642707 |
|---|---|
| Date | Nov 28, 2017 |
| Instrument | 642707 |
| Name | TRUSTCO BK |
|---|---|
| Type | Bank |
| Address | GLENVILLE, NY 12302 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 27, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
The 2025 property tax bill for 10300 Birch Tree Ln was $7,825, up 4.3% from the year before.
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 | $503,018 (+2.7%) | $823,330 (-1.32%) Land $225,000 Building $598,330 | |
| 2025 | $7,825.00 (+4.33%) Homeowner's exemption | $489,794 | $834,320 Land $225,000 Building $609,320 |
| 2024 | $7,500.00 (+7.34%) | ||
| 2023 | $6,987.00 (+3.45%) Homeowner's exemption | $462,126 (+3%) | $714,168 (+18.13%) Land $225,000 Building $489,168 |
| 2022 | $6,754.00 Homeowner's exemption | $448,666 | $604,563 Land $225,000 Building $379,563 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10300 Birch Tree Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2022.
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 File 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.
Wildfire risk around 10300 Birch Tree Ln is low, with a 0.02% annual chance of 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.
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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