10309 Down Lakeview Cir, Windermere, FL 34786 Property Records

Orange County property record for 10309 Down Lakeview Cir, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,272 sqft · built 1987
Lot Size	1 acres (43,612 sqft)
Owner	Trust Name on File
Last Sale	$241,500 (Apr 2011)
Tax Bill	$9,748 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Sep 2018 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05-23-28-4818-00-350`

Property Details

APN / Parcel Number

Primary APN	`05-23-28-4818-00-350`
Alternative APNs	`282305481800350` `274651` `279496` `283651`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,272 sqft Living Area
Gross Area	3,058 sqft
1st Floor Area	2,238 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,612 sqft (1 acres)
Garage Type	Attached
Garage Area	562 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	258 sqft
Storage Building	200 sqft
Water Feature	Water Feature

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	10309 DOWN LAKEVIEW CIR
City	WINDERMERE
State	FL
Zip	34786-7908
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-CE
Legal Description	THE LAKES 11/12 LOT 35
Legal Range	28E
Legal Township	23S
Legal Section	05
Legal Subdivision	LAKES
Legal Tract	4818
Legal Lot Number	35
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1006
Census Tract	14814

Owner

10309 Down Lakeview Cir is owner-occupied and held in a trust since August 2018.

Source: Orange County records, as of July 22, 2026

Owner of Record	Trust Name on File
Mailing Address	10309 DOWN LAKEVIEW CIR, WINDERMERE, FL 34786-7908
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2024	Deed of Trust, Mortgage · Line of Credit COGENT BANK
Sep 14, 2018	Deed of Trust, Mortgage · Line of Credit SUNTRUST BANK
Jun 4, 2020	Loan Modification, Mortgage NOT AVAILABLE
Aug 17, 2018	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 26, 2011 · Amount on File
Deed Sale	Apr 26, 2011 · Amount on File
Prior Sale	Sep 3, 2010
Deed Document Number	2011215872
Deed Book / Page	10204 / 6142
Last Transfer Date	Aug 16, 2018
Transfer Doc	0000492949
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	10309 DOWN LAKEVIEW CIR, WINDERMERE, FL 34786-7908
Transaction Type	Mortgage
Record Updated	Mar 13, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	310309 DOWN LAKEVIEW CIR, WINDERMERE, FL 34786

Mortgage

Document Number	0000112232
Date	Feb 27, 2024
Instrument	20240112232

Lender

Name	COGENT BANK
Type	Bank
Address	ORLANDO, FL 32801

Agreement

Type	Line of Credit
Amount	Amount on Record

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	10309 DOWN LAKEVIEW CIR, WINDERMERE, FL 34786-7908
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000547976
Date	Sep 14, 2018
Instrument	20180547976

Lender

Name	SUNTRUST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 13, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ORANGE FL
Property Address	10309 DOWN LAKEVIEW CIR, WINDERMERE, FL 34786-7908
Document Number	0000328526
Instrument Date	Jun 4, 2020
Transaction Type	Mortgage
Record Updated	Jun 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	10309 DOWN LAKEVIEW CIR WINDERMERE FL 347867908, WINDERMERE, FL 34786-7908

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE FL
Recording Date	Aug 17, 2018
Property Address	10309 DOWN LAKEVIEW CIR, WINDERMERE, FL 34786-7908
Document Number	0000492949
Instrument Date	Aug 16, 2018
Instrument	492949
Transaction Type	Transfer
Record Updated	Aug 31, 2018
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10309 DOWN LAKEVIEW CIR WINDERMERE FL 347867908, WINDERMERE, FL 34786-7908

Tax Assessment & Valuation

The 2025 property tax bill for 10309 Down Lakeview Cir was $9,748, up 74.3% from the year before.

Source: Orange County assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Orange County
Unified School District	Orange County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$370,534 (-38.03%)	$585,210 (-2.13%) Land $195,000 Building $390,210
2025	$9,748.00 (+74.32%) Homeowner's exemption	$597,920 Land $195,000 Building $402,920	$597,920 Land $195,000 Building $402,920
2024	$5,592.00 (+7.37%)
2023	$5,208.00 (+3.81%) Homeowner's exemption	$340,413 (+3%)	$519,815 (+17.12%) Land $195,000 Building $324,815
2022	$5,017.00 Homeowner's exemption	$330,498	$443,847 Land $195,000 Building $248,847

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

Flood

FEMA maps place 10309 Down Lakeview Cir 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

Wildfire risk around 10309 Down Lakeview Cir is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 66 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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