10505 Down Lakeview Cir, Windermere, FL 34786 Property Records

Orange County property record for 10505 Down Lakeview Cir, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,194 sqft · built 1985
Lot Size	2.97 acres (129,605 sqft)
Owner	2 Individual Names on File
Last Sale	$2,750,000 (Jul 2026)
Tax Bill	$26,494 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Nov 2018 Sale
Flood Zone	Zone AE (high risk)
APN	`05-23-28-4818-00-190`

Property Details

APN / Parcel Number

Primary APN	`05-23-28-4818-00-190`
Alternative APNs	`282305481800190` `274633` `279475` `283633`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	4,194 sqft Living Area
Gross Area	6,479 sqft
1st Floor Area	4,194 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 2000
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	129,605 sqft (2.97 acres)
Garage Type	Attached
Garage Area	900 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	1,385 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10505 DOWN LAKEVIEW CIR
City	WINDERMERE
State	FL
Zip	34786-7911
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-CE
Legal Description	THE LAKES 11/12 LOT 19
Legal Range	28E
Legal Township	23S
Legal Section	05
Legal Subdivision	LAKES
Legal Tract	4818
Legal Lot Number	19
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1020
Census Tract	14814

Owner

10505 Down Lakeview Cir is owned and occupied by two individuals who bought it in July 2026.

Source: Orange County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10505 DOWN LAKEVIEW CIR, WINDERMERE, FL 34786-7911
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Jul 28, 2026	Warranty Deed, Transfer · Conventional Mortgage E HOME LOANS
Nov 15, 2018	Warranty Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2026 · Amount on File
Deed Sale	Jul 28, 2026 · Amount on File
Prior Sale	Nov 15, 2018 · Amount on File
Deed Document Number	2026418009
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jul 28, 2026
Property Address	10505 DOWN LAKEVIEW CIR, WINDERMERE, FL 34786-7911
Document Number	0000418009
Instrument Date	Jul 27, 2026
Instrument	2026418009
Transaction Type	Transfer
Record Updated	Aug 7, 2026
Title Company	APEX TITLE AGENCY, APEX TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,944,250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10505 DOWN LAKEVIEW CIR, WINDERMERE, FL 34786-7911

Mortgage

Document Number	0000418010,
Date	Jul 28, 2026
Instrument	2026418010

Lender

Name	E HOME LOANS

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.52%
Initial Type	Fixed Rate
Max Rate	-1%

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Nov 15, 2018
Property Address	10505 DOWN LAKEVIEW CIR, WINDERMERE, FL 34786-7911
Document Number	0000669182
Instrument Date	Nov 13, 2018
Instrument	669182
Transaction Type	Transfer
Record Updated	Dec 11, 2018
Title Company	OTHER

Transaction

Amount	Amount on Record
Tax	$13,895.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10505 DOWN LAKEVIEW CIR WINDERMERE FL 347867911, WINDERMERE, FL 34786-7911

Tax Assessment & Valuation

The 2025 property tax bill for 10505 Down Lakeview Cir was $26,494, up 3.2% 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		$1,663,425 (+2.7%)	$2,436,640 (-1.4%) Land $1,400,000 Building $1,036,640
2025	$26,494.00 (+3.24%) Homeowner's exemption	$1,619,693	$2,471,160 Land $1,400,000 Building $1,071,160
2024	$25,662.00 (+7.24%)
2023	$23,929.00 (+2.96%) Homeowner's exemption	$1,528,200 (+3%)	$2,354,708 (+16.97%) Land $1,400,000 Building $954,708
2022	$23,240.00 Homeowner's exemption	$1,483,689	$2,013,132 Land $1,200,000 Building $813,132

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

Flood

FEMA maps place 10505 Down Lakeview Cir in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	100.7 ft
Flood Insurance Requirement	Required federally backed loans
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 10505 Down Lakeview Cir is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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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