10453 Birch Tree Ln, Windermere, FL 34786 Property Records

Orange County property record for 10453 Birch Tree Ln, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,307 sqft · built 1998
Lot Size	1 acres (43,602 sqft)
Owner	Individual Name on File
Last Sale	$733,400 (Aug 2014)
Tax Bill	$12,437 (2025)
Deeds & Mortgages	Jun 2020 Line of Credit Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-23-28-9335-00-240`

Property Details

APN / Parcel Number

Primary APN	`05-23-28-9335-00-240`
Alternative APNs	`282305933500240` `274864` `279706` `283864`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	4,307 sqft Living Area
Gross Area	6,401 sqft
1st Floor Area	3,430 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,602 sqft (1 acres)
Garage Type	Attached
Garage Area	969 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	970 sqft
Water Feature	Water Feature

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10453 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 24
Legal Range	28E
Legal Township	23S
Legal Section	05
Legal Subdivision	WINDERMERE DOWNS PH 3
Legal Phase	3
Legal Tract	9335
Legal Lot Number	24
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1006
Census Tract	14814

Owner

10453 Birch Tree Ln is owned and occupied by an individual who bought it in August 2014.

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

Owner of Record	Individual Name on File
Mailing Address	10453 BIRCH TREE LN, WINDERMERE, FL 34786-8013
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2020	Deed of Trust, Mortgage · Line of Credit TCF NAT'L BK
Jun 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2014 · Amount on File
Deed Sale	Aug 1, 2014 · Amount on File
Prior Sale	Nov 5, 1996 · Amount on File
Deed Document Number	2014388741
Deed Book / Page	10784 / 2080
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	10453 BIRCH TREE LN, WINDERMERE, FL 34786-8013
Document Number	0000337082
Instrument Date	Jun 11, 2020
Transaction Type	Mortgage
Record Updated	Jul 2, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10453 BIRCH TREE LN WINDERMERE FL 347868013, WINDERMERE, FL 34786-8013

Mortgage

Document Number	0000337082
Date	Jun 18, 2020
Instrument	337082

Lender

Name	TCF NAT'L BK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 17, 2050

Interest

Rate Type	Adjustable Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	10453 BIRCH TREE LN, WINDERMERE, FL 34786-8013
Document Number	0000337081
Instrument Date	Jun 11, 2020
Transaction Type	Mortgage
Record Updated	Jul 2, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10453 BIRCH TREE LN WINDERMERE FL 347868013, WINDERMERE, FL 34786-8013

Mortgage

Document Number	0000337081
Date	Jun 18, 2020
Instrument	337081

Lender

Name	CROSSCOUNTRY MTG
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 17, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 10453 Birch Tree Ln was $12,437, up 3.8% from the year before.

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		$796,554 (+2.7%)	$1,052,550 (-1.39%) Land $225,000 Building $827,550
2025	$12,437.00 (+3.75%) Homeowner's exemption	$775,612	$1,067,370 Land $225,000 Building $842,370
2024	$11,987.00 (+7.32%)
2023	$11,169.00 (+3.18%) Homeowner's exemption	$731,799 (+3%)	$903,316 (+20.38%) Land $225,000 Building $678,316
2022	$10,825.00 Homeowner's exemption	$710,484	$750,404 Land $225,000 Building $525,404

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

Flood

FEMA maps place 10453 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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 10453 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 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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