10429 Birch Tree Ln, Windermere, FL 34786 Property Records

Orange County property record for 10429 Birch Tree Ln, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,950 sqft · built 1998
Lot Size	1 acres (43,898 sqft)
Owner	2 Company Names on Record
Last Sale	$700,000 (Jul 2014)
Tax Bill	$11,084 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Mar 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05-23-28-9335-00-260`

Property Details

APN / Parcel Number

Primary APN	`05-23-28-9335-00-260`
Alternative APNs	`282305933500260` `274866` `279709` `283866`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,950 sqft Living Area
Gross Area	5,493 sqft
1st Floor Area	1,941 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,898 sqft (1 acres)
Garage Type	Attached
Garage Area	667 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	931 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10429 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 26
Legal Range	28E
Legal Township	23S
Legal Section	05
Legal Subdivision	WINDERMERE DOWNS PH 3
Legal Phase	3
Legal Tract	9335
Legal Lot Number	26
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 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 Company Names on Record
Mailing Address	10429 BIRCH TREE LN, WINDERMERE, FL 34786-8013
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2025	Deed of Trust, Mortgage · Line of Credit PARTNERS FCU
Mar 8, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Nov 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage PARTNERS FCU
Sep 7, 2019	Deed of Trust, Mortgage PARTNERS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2014 · Amount on Record
Deed Sale	Jul 7, 2014 · Amount on Record
Prior Sale	Aug 5, 1997 · Amount on Record
Deed Document Number	2014332039
Deed Book / Page	10769 / 1472
Prior Transfer Date	Jun 27, 2014
Prior Transfer Doc	0000332038
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	10429 BIRCH TREE LN, WINDERMERE, FL 34786-8013
Transaction Type	Mortgage
Record Updated	Nov 6, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10429 BIRCH TREE LN, WINDERMERE, FL 34786-8013

Mortgage

Document Number	0000601721
Date	Oct 16, 2025
Instrument	20250601721

Lender

Name	PARTNERS FCU
Type	Credit Union
Address	ORLANDO, FL 32821

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 15, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE FL
Recording Date	Mar 8, 2023
Property Address	10429 BIRCH TREE LN, WINDERMERE, FL 34786-8013
Document Number	0000133376
Map Reference	MB 28 PG 26
Instrument Date	Jan 20, 2023
Instrument	20230133376
Transaction Type	Transfer
Record Updated	Mar 21, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	746 CLIFFORD DR, ORLANDO, FL 32804-7130

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10429 BIRCH TREE LN, WINDERMERE, FL 34786-8013

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	10429 BIRCH TREE LN, WINDERMERE, FL 34786-8013
Transaction Type	Mortgage
Record Updated	Nov 19, 2021
Title Company	ALOMA TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10429 BIRCH TREE LN, WINDERMERE, FL 34786-8013

Mortgage

Document Number	20210682305
Date	Nov 5, 2021
Instrument	20210682305

Lender

Name	PARTNERS FCU
Type	Credit Union
Address	ORLANDO, FL 32821

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	10429 BIRCH TREE LN, WINDERMERE, FL 34786-8013
Document Number	0000575757
Instrument Date	Sep 7, 2019
Transaction Type	Mortgage
Record Updated	Oct 2, 2019
Title Company	ALOMA TITLE COMPANY, ALOMA TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10429 BIRCH TREE LN WINDERMERE FL 347868013, WINDERMERE, FL 34786-8013

Mortgage

Document Number	0000575757
Date	Sep 17, 2019
Instrument	575757

Lender

Name	PARTNERS FCU
Type	Credit Union
Address	ORLANDO, FL 32821

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 16, 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		$710,408 (+2.7%)	$926,020 (-1.33%) Land $225,000 Building $701,020
2025	$11,084.00 (+3.88%) Homeowner's exemption	$691,731 (+5.99%)	$938,530 (+17.65%) Land $225,000 Building $713,530
2024	$10,670.00 (+7.32%)
2023	$9,942.00 (+3.23%) Homeowner's exemption	$652,656 (+3%)	$797,754 (+19.11%) Land $225,000 Building $572,754
2022	$9,631.00 Homeowner's exemption	$633,647	$669,789 Land $225,000 Building $444,789

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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