10506 Down Lakeview Cir, Windermere, FL 34786 Property Records

Orange County property record for 10506 Down Lakeview Cir, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,267 sqft · built 1985
Lot Size	1 acres (43,570 sqft)
Owner	2 Individual Names on File
Last Sale	$1,150,000 (Nov 2025)
Tax Bill	$9,687 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-23-28-4818-00-520`

Property Details

APN / Parcel Number

Primary APN	`05-23-28-4818-00-520`
Alternative APNs	`282305481800520` `274673` `279516` `283673`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,267 sqft Living Area
Gross Area	4,800 sqft
1st Floor Area	3,267 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1990
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,570 sqft (1 acres)
Garage Type	Attached
Garage Area	1,012 sqft
Parking Spaces	4 Parking Spaces
Porch	Finished/Open Porch
Porch Area	521 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10506 DOWN LAKEVIEW CIR
City	WINDERMERE
State	FL
Zip	34786-7906
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-CE
Legal Description	THE LAKES 11/12 LOT 52
Legal Range	28E
Legal Township	23S
Legal Section	05
Legal Subdivision	LAKES
Legal Tract	4818
Legal Lot Number	52
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1007
Census Tract	14814

Owner

Source: Orange County assessment roll, 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 Individual Names on File
Mailing Address	10506 DOWN LAKEVIEW CIR, WINDERMERE, FL 34786-7906
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2025	Warranty Deed, Transfer · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Oct 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MTG
Nov 19, 2018	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 17, 2025 · Amount on Record
Deed Sale	Nov 17, 2025 · Amount on Record
Prior Sale	Nov 19, 2018 · Amount on Record
Deed Document Number	2025660932
Prior Transfer Date	Nov 15, 2018
Prior Transfer Doc	0000674969
Record Updated	Jun 8, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Nov 17, 2025
Property Address	10506 DOWN LAKEVIEW CIR, WINDERMERE, FL 34786-7906
Document Number	0000660932
Map Reference	MB 11 PG 12&13
Instrument Date	Nov 14, 2025
Instrument	20250660932
Transaction Type	Transfer
Record Updated	Dec 5, 2025
Title Company	CORE TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$8,050.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3414 COCARD CT, WINDERMERE, FL 34786-7611

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10506 DOWN LAKEVIEW CIR, WINDERMERE, FL 34786-7906

Mortgage

Document Number	0000660933
Date	Nov 17, 2025
Instrument	20250660933

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	10506 DOWN LAKEVIEW CIR, WINDERMERE, FL 34786-7906
Document Number	0000661198
Instrument Date	Oct 22, 2020
Transaction Type	Mortgage
Record Updated	Dec 30, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10506 DOWN LAKEVIEW CIR WINDERMERE FL 347867906, WINDERMERE, FL 34786-7906

Mortgage

Document Number	0000661198
Date	Dec 17, 2020
Instrument	661198

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 16, 2050

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Nov 19, 2018
Property Address	10506 DOWN LAKEVIEW CIR, WINDERMERE, FL 34786-7906
Document Number	0000674969
Map Reference	MB 11 PG 12&13
Instrument Date	Nov 15, 2018
Instrument	20180674969
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	FLORIDA TITLE & GUARANTEE AG

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,585.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	357 LARIMORE VALLEY DR, 357, WILDWOOD, MO 63005-6228

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10506 DOWN LAKEVIEW CIR, WINDERMERE, FL 34786-7906

Mortgage

Document Number	0000674970
Date	Nov 19, 2018
Instrument	20180674970

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

Mortgage

Document Number	0000674971
Date	Nov 19, 2018
Instrument	20180674971

Lender

Name	SYNOVUS BANK
Type	Bank
Address	COLUMBUS, GA 31901

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 15, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$795,240 (+33.83%) Land $195,000 Building $600,240	$795,240 (-1.35%) Land $195,000 Building $600,240
2025	$9,687.00 (+4.02%) Homeowner's exemption	$594,206 (+5.99%)	$806,100 (+17.82%) Land $195,000 Building $611,100
2024	$9,313.00 (+7.3%)
2023	$8,679.00 (+3.37%) Homeowner's exemption	$560,641 (+3%)	$684,193 (+19.43%) Land $195,000 Building $489,193
2022	$8,396.00 Homeowner's exemption	$544,312	$572,886 Land $195,000 Building $377,886

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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

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 USA.

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