Orange County property record for 1040 W 2nd Ave, Windermere, FL 34786
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 6 ba · 4,563 sqft · built 2020 |
| Lot Size | 0.518 acres (22,583 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,550,000 (Feb 2015) |
| Tax Bill | $40,592 (2025) |
| Deeds & Mortgages | Jul 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-23-28-0048-00-040 |
| Primary APN | 07-23-28-0048-00-040 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 6 Baths |
| Stories | 2 Stories |
| Building Area | 4,563 sqft Living Area |
| Gross Area | 7,562 sqft |
| 1st Floor Area | 2,303 sqft |
| Utility Area | 72 sqft |
| Flooring | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Elevator | Elevator |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 22,583 sqft (0.518 acres) |
| Garage Type | Attached |
| Garage Area | 990 sqft |
| Porch | Slab |
| Porch Area | 226 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1040 W 2ND AVE |
|---|---|
| City | WINDERMERE |
| State | FL |
| Zip | 34786-8517 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SFR |
| Legal Description | ALADAR REPLAT DB 926/234 REPLAT OF PT OF LOT 21 LOT 4 |
| Legal Subdivision | ALADAR REP |
| Legal Tract | 48 |
| Legal Lot Number | 21,4 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 14809 |
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 | 1040 W 2ND AVE, WINDERMERE, FL 34786-8517 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 19, 2015 · Amount on Record |
| Deed Sale | Feb 19, 2015 · Amount on Record |
| Prior Sale | Aug 21, 2000 · Amount on Record |
| Deed Document Number | 201587818 |
| Deed Book / Page | 10877 / 8444 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 1040 W 2ND AVE, WINDERMERE, FL 34786-8517 |
| Document Number | 0000560478 |
| Instrument Date | Jul 31, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 11, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1040 W 2ND AVE WINDERMERE FL 347868517, WINDERMERE, FL 34786-8517 |
| Document Number | 0000560478 |
|---|---|
| Date | Oct 27, 2020 |
| Instrument | 560478 |
| Name | MORGAN STANLEY PVT BK NA |
|---|---|
| Type | Bank |
| Address | 4270 IVY POINTE BLVD # 400, CINCINNATI, OH 45245-0003 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Oct 26, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.15% |
Source: Orange County assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Municipality | Windermere Town |
| Unified School District | Orange County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,545,676 (+2.7%) | $3,201,390 (-0.81%) Land $1,425,000 Building $1,776,390 | |
| 2025 | $40,592.00 (+2.87%) Homeowner's exemption | $2,478,750 (+5.99%) | $3,227,460 (+6.8%) Land $1,425,000 Building $1,802,460 |
| 2024 | $39,459.00 (+3.29%) | ||
| 2023 | $38,202.00 (+4.77%) Homeowner's exemption | $2,338,730 (+3%) | $3,022,093 (+12.77%) Land $1,425,000 Building $1,597,093 |
| 2022 | $36,464.00 Homeowner's exemption | $2,270,612 | $2,679,862 Land $1,325,000 Building $1,354,862 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 19 policies |
| Nearby Flood Policies | 19 in force |
| Nearby Flood Claims | 8 (2004–2017) |
| Claims Outside the SFHA | 5 of 8 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| Claims by Event |
|
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 | Not rated no burnable land within 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 76 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 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
5G (outdoors only) and 4G LTE
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