10358 Down Lakeview Cir, Windermere, FL 34786 Property Records

Orange County property record for 10358 Down Lakeview Cir, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	6 bd · 5 ba · 4,937 sqft · built 1988
Lot Size	1 acres (43,553 sqft)
Owner	2 Individual Names on File
Last Sale	$814,000 (Dec 2020)
Tax Bill	$12,228 (2025)
Deeds & Mortgages	May 2019 Line of Credit Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-23-28-4818-00-490`

Property Details

APN / Parcel Number

Primary APN	`05-23-28-4818-00-490`
Alternative APNs	`282305481800490` `274669` `279512` `283669`

Interior

Bedrooms	6 Beds
Full Baths	5 Baths
Stories	1 Story
Building Area	4,937 sqft Living Area
Gross Area	6,285 sqft
1st Floor Area	4,937 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1992
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,553 sqft (1 acres)
Garage Type	Attached
Garage Area	680 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	668 sqft
Storage Building	100 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10358 DOWN LAKEVIEW CIR
City	WINDERMERE
State	FL
Zip	34786-7907
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-CE
Legal Description	THE LAKES 11/12 LOT 49
Legal Range	28E
Legal Township	23S
Legal Section	05
Legal Subdivision	LAKES
Legal Tract	4818
Legal Lot Number	49
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1007
Census Tract	14814

Owner

10358 Down Lakeview Cir is owned and occupied by two individuals who bought it in December 2020.

Source: Orange County records, as of May 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10358 DOWN LAKEVIEW CIR, WINDERMERE, FL 34786-7907
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.

Deeds, Mortgages & Sale History

Date	Document
May 1, 2019	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
Dec 15, 2020	Warranty Deed, Transfer QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2020 · Amount on File
Deed Sale	Dec 15, 2020 · Amount on File
Prior Sale	May 7, 2015 · Amount on File
Deed Document Number	2020653569
Record Updated	Oct 29, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	10358 DOWN LAKEVIEW CIR, WINDERMERE, FL 34786-7907
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000267424
Date	May 1, 2019
Instrument	20190267424

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 10, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Dec 15, 2020
Property Address	10358 DOWN LAKEVIEW CIR, WINDERMERE, FL 34786-7907
Document Number	0000653569
Instrument Date	Dec 11, 2020
Instrument	653569
Transaction Type	Transfer
Record Updated	Dec 29, 2020
Title Company	INTEGRITY FIRST TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,698.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10358 DOWN LAKEVIEW CIR WINDERMERE FL 347867907, WINDERMERE, FL 34786-7907

Mortgage

Document Number	653570
Date	Dec 15, 2020
Instrument	653570

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 14, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 10358 Down Lakeview Cir was $12,228, up 3.8% 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		$769,498 (+2.7%)	$1,032,140 (-1.46%) Land $195,000 Building $837,140
2025	$12,228.00 (+3.76%) Homeowner's exemption	$749,268	$1,047,400 Land $195,000 Building $852,400
2024	$11,785.00 (+7.28%)
2023	$10,985.00 (+3.24%) Homeowner's exemption	$706,944 (+3%)	$878,274 (+20.66%) Land $195,000 Building $683,274
2022	$10,640.00 Homeowner's exemption	$686,353	$727,868 Land $195,000 Building $532,868

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

Flood

FEMA maps place 10358 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 10358 Down Lakeview Cir is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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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