10403 Down Lakeview Cir, Windermere, FL 34786 Property Records

Orange County property record for 10403 Down Lakeview Cir, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,951 sqft · built 1988
Lot Size	1 acres (43,572 sqft)
Owner	2 Individual Names on File
Last Sale	$664,000 (Dec 2019)
Tax Bill	$8,818 (2025)
Deeds & Mortgages	Aug 2019 Line of Credit Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-23-28-4818-00-280`

Property Details

APN / Parcel Number

Primary APN	`05-23-28-4818-00-280`
Alternative APNs	`282305481800280` `274643` `279486` `283643`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,951 sqft Living Area
Gross Area	4,913 sqft
1st Floor Area	1,928 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Stone
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,572 sqft (1 acres)
Garage Type	Attached
Garage Area	945 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	836 sqft
Storage Building	352 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10403 DOWN LAKEVIEW CIR
City	WINDERMERE
State	FL
Zip	34786-7910
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-CE
Legal Description	THE LAKES 11/12 LOT 28
Legal Range	28E
Legal Township	23S
Legal Section	05
Legal Subdivision	LAKES
Legal Tract	4818
Legal Lot Number	28
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1006
Census Tract	14814

Owner

Source: Orange County assessment roll, as of April 30, 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 File
Mailing Address	10403 DOWN LAKEVIEW CIR, WINDERMERE, FL 34786-7910
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 8, 2019	Deed of Trust, Mortgage · Line of Credit CENTERSTATE BANK OF FLORIDA NA
Dec 31, 2019	Warranty Deed, Transfer FAIRWINDS CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 31, 2019 · Amount on Record
Deed Sale	Dec 31, 2019 · Amount on Record
Prior Sale	Aug 19, 2016 · Amount on Record
Deed Document Number	2019812997
Transfer Doc	6279004338
Record Updated	Jun 8, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	10403 DOWN LAKEVIEW CIR, WINDERMERE, FL 34786-7910
Transaction Type	Mortgage
Record Updated	Jan 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000492836
Date	Aug 8, 2019
Instrument	20190492836

Lender

Name	CENTERSTATE BANK OF FLORIDA NA
Type	Bank
Address	ORLANDO, FL 32806

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	118 Months
Due	Jun 25, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Dec 31, 2019
Property Address	10403 DOWN LAKEVIEW CIR, WINDERMERE, FL 34786-7910
Document Number	0000812997
Instrument Date	Dec 20, 2019
Instrument	812997
Transaction Type	Transfer
Record Updated	Jan 29, 2020
Title Company	WEST ORANGE TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,648.00
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	10403 DOWN LAKEVIEW CIR WINDERMERE FL 347867910, WINDERMERE, FL 34786-7910

Mortgage

Document Number	812998
Date	Dec 31, 2019
Instrument	812998

Lender

Name	FAIRWINDS CU
Address	ORLANDO, FL 32826

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 30, 2049

Tax Assessment & Valuation

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		$555,785 (+2.7%)	$766,520 (-1.84%) Land $195,000 Building $571,520
2025	$8,818.00 (+4.13%) Homeowner's exemption	$541,173 (+5.99%)	$780,870 (+17.33%) Land $195,000 Building $585,870
2024	$8,468.00 (+7.33%)
2023	$7,890.00 (+3.43%) Homeowner's exemption	$510,603 (+3%)	$665,545 (+19.28%) Land $195,000 Building $470,545
2022	$7,628.00 Homeowner's exemption	$495,731	$557,965 Land $195,000 Building $362,965

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

Flood

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.

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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