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10441 Birch Tree Ln, Windermere, FL 34786 Property Records

Orange County property record for 10441 Birch Tree Ln, Windermere, FL 34786

Property Summary

Property TypeSingle Family Home
Details4 bd · 4 ba · 4,374 sqft · built 2003
Lot Size1.01 acres (44,293 sqft)
Owner2 Individual Names on File
Last Sale$95,500 (Jun 1999)
Tax Bill$11,862 (2025)
Deeds & MortgagesJan 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN05-23-28-9335-00-250

Property Details

APN / Parcel Number

Primary APN05-23-28-9335-00-250
Alternative APNs
  • 282305933500250
  • 274865
  • 279708
  • 283865

Interior

Bedrooms4 Beds
Full Baths4 Baths
Stories2 Stories
Building Area4,374 sqft Living Area
Gross Area6,756 sqft
1st Floor Area3,308 sqft
Basement Area96 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2003
Effective Year BuiltEffective 2003
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialConcrete
Lot Area44,293 sqft (1.01 acres)
Garage TypeAttached
Garage Area933 sqft
Parking Spaces4 Parking Spaces

Exterior Amenities

PorchSlab
Porch Area1,000 sqft
Patio Area169 sqft
Total Buildings2 Buildings

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address10441 BIRCH TREE LN
CityWINDERMERE
StateFL
Zip34786-8013
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-CE
Legal DescriptionWINDERMERE DOWNS PHASE 3 28/26 LOT 25
Legal Range28E
Legal Township23S
Legal Section05
Legal SubdivisionWINDERMERE DOWNS PH 3
Legal Phase3
Legal Tract9335
Legal Lot Number25
JurisdictionORANGE FL
Township / Civil DivisionSOUTHWEST ORANGE
Census Block Group1
Census Block1006
Census Tract14814

Owner

10441 Birch Tree Ln is owned and occupied by two individuals who bought it in June 1999.

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 Record2 Individual Names on File
Mailing Address10441 BIRCH TREE LN, WINDERMERE, FL 34786-8013
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 11, 1999 · Amount on File
Deed SaleJun 11, 1999 · Amount on File
Prior SaleApr 2, 1997 · Amount on File
Deed Book / Page5771 / 1932
Record UpdatedJun 8, 2026

January 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionORANGE FL
Property Address10441 BIRCH TREE LN, WINDERMERE, FL 34786-8013
Document Number0000049866
Instrument DateJan 16, 2020
Transaction TypeMortgage
Record UpdatedFeb 17, 2020
Title CompanyTITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address10441 BIRCH TREE LN WINDERMERE FL 347868013, WINDERMERE, FL 34786-8013

Mortgage

Document Number0000049866
DateJan 24, 2020
Instrument49866
Lender
NameADDITION FIN'L CU
AddressLAKE MARY, FL 32746
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term120 Months
DueJan 23, 2030

Tax Assessment & Valuation

The 2025 property tax bill for 10441 Birch Tree Ln was $11,862, up 3.8% from the year before.

Source: Orange County assessment roll, as of April 30, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOrange County
Unified School DistrictOrange County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$759,940 (+2.7%)$1,150,930 (-1.31%) Land $225,000 Building $925,930
2025$11,862.00 (+3.81%) Homeowner's exemption$739,961$1,166,150 Land $225,000 Building $941,150
2024$11,427.00 (+7.33%)
2023$10,647.00 (+3.19%) Homeowner's exemption$698,162 (+3%)$978,746 (+22.13%) Land $225,000 Building $753,746
2022$10,318.00 Homeowner's exemption$677,827$801,392 Land $225,000 Building $576,392

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

Flood

FEMA maps place 10441 Birch Tree Ln 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 37 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies37 in force
Nearby Flood Claims2 (2022–2024)
Claims Outside the SFHA2 of 2
Most Recent ClaimOct 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 10441 Birch Tree Ln is low, with a 0.02% annual chance of wildfire.

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

Wildfire RiskLow
lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood0.02% annual chance
ExposureDirect
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 SystemOCUD/SOUTHERN WATER SYS (5 WPS)
serves 80,738 people · EPA ID FL3484119
Water SourceGroundwater
Last State InspectionMay 2024
Lead2 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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