10417 Birch Tree Ln, Windermere, FL 34786 Property Records

Orange County property record for 10417 Birch Tree Ln, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,445 sqft · built 1995
Lot Size	1 acres (43,586 sqft)
Owner	2 Individual Names on Record
Last Sale	$600,000 (Apr 2018)
Tax Bill	$10,808 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-23-28-9335-00-270`

Property Details

APN / Parcel Number

Primary APN	`05-23-28-9335-00-270`
Alternative APNs	`282305933500270` `274867` `279711` `283867`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,445 sqft Living Area
Gross Area	4,759 sqft
1st Floor Area	2,894 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2010
Architectural Style	Custom Design
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	43,586 sqft (1 acres)
Garage Type	Attached
Garage Area	713 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	248 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10417 BIRCH TREE LN
City	WINDERMERE
State	FL
Zip	34786-8013
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-CE
Legal Description	WINDERMERE DOWNS PHASE 3 28/26 LOT 27
Legal Range	28E
Legal Township	23S
Legal Section	05
Legal Subdivision	WINDERMERE DOWNS PH 3
Legal Phase	3
Legal Tract	9335
Legal Lot Number	27
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1006
Census Tract	14814

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	10417 BIRCH TREE LN, WINDERMERE, FL 34786-8013
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2026	Deed of Trust, Mortgage · Line of Credit QUORUM FEDERAL CU
Jul 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE FIRM
Apr 5, 2018	Warranty Deed, Transfer · ARM THE MORTGAGE FIRM INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 5, 2018 · Amount on Record
Deed Sale	Apr 5, 2018 · Amount on Record
Prior Sale	Aug 5, 2015 · Amount on Record
Deed Document Number	2018203565
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	10417 BIRCH TREE LN, WINDERMERE, FL 34786-8013
Transaction Type	Mortgage
Record Updated	Feb 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10417 BIRCH TREE LN, WINDERMERE, FL 34786-8013

Mortgage

Document Number	0000062712
Date	Feb 3, 2026
Instrument	20260062712

Lender

Name	QUORUM FEDERAL CU
Type	Credit Union
Address	PURCHASE, NY 10577

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	10417 BIRCH TREE LN, WINDERMERE, FL 34786-8013
Document Number	0000408863
Instrument Date	Jul 27, 2020
Transaction Type	Mortgage
Record Updated	Aug 21, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10417 BIRCH TREE LN WINDERMERE FL 347868013, WINDERMERE, FL 34786-8013

Mortgage

Document Number	0000408863
Date	Aug 4, 2020
Instrument	408863

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 3, 2050

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Apr 5, 2018
Property Address	10417 BIRCH TREE LN, WINDERMERE, FL 34786-8013
Document Number	0000203565
Map Reference	MB 28 PG 26
Instrument Date	Mar 30, 2018
Instrument	20180203565
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	NORTH AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10352 BIRCH TREE LN, 10352, WINDERMERE, FL 34786-8020

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10417 BIRCH TREE LN, WINDERMERE, FL 34786-8013

Mortgage

Document Number	0000203566
Date	Apr 5, 2018
Instrument	20180203566

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Apr 1, 2023
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	8.5%
Index	1-Year LIBOR
Max Rate	11.5%

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		$692,834 (+2.7%)	$887,460 (-1.38%) Land $225,000 Building $662,460
2025	$10,808.00 (+3.91%) Homeowner's exemption	$674,619 (+5.99%)	$899,900 (+16.74%) Land $225,000 Building $674,900
2024	$10,401.00 (+7.33%)
2023	$9,691.00 (+3.24%) Homeowner's exemption	$636,511 (+3%)	$770,836 (+19.31%) Land $225,000 Building $545,836
2022	$9,387.00 Homeowner's exemption	$617,972	$646,104 Land $225,000 Building $421,104

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 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% 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 241 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area	2,000 / 1,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Hotwire Communications.

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