10529 Down Lakeview Cir, Windermere, FL 34786 Property Records

Orange County property record for 10529 Down Lakeview Cir, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 5,327 sqft · built 1988
Lot Size	2.8 acres (122,330 sqft)
Owner	2 Company Names on Record
Last Sale	$2,733,000 (Nov 2020)
Tax Bill	$51,617 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage Oct 2016 Loan Modification
Flood Zone	Zone AE (high risk)
APN	`05-23-28-4818-00-160`

Property Details

APN / Parcel Number

Primary APN	`05-23-28-4818-00-160`
Alternative APNs	`282305481800160` `274629` `279471` `283629`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	5,327 sqft Living Area
Gross Area	7,543 sqft
1st Floor Area	4,505 sqft
Utility Area	49 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1999
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	122,330 sqft (2.8 acres)
Garage Type	Attached
Garage Area	805 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	1,217 sqft
Patio Area	378 sqft
Shed	1 Shed
Gazebo	Gazebo
Water Feature	Water Feature
Boat Access	Boat Access

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10529 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 16
Legal Range	28E
Legal Township	23S
Legal Section	05
Legal Subdivision	LAKES
Legal Tract	4818
Legal Lot Number	16
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1020
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	10529 DOWN LAKEVIEW CIR, WINDERMERE, FL 34786-7911
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 2, 2020	Warranty Deed, Transfer JP MORGAN CHASE BK
Oct 20, 2016	Loan Modification, Mortgage · Line of Credit SUNTRUST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 2, 2020 · Amount on Record
Deed Sale	Nov 2, 2020 · Amount on Record
Prior Sale	May 13, 2003 · Amount on Record
Deed Document Number	2020569679
Prior Transfer Date	Sep 22, 1993
Prior Transfer Doc	4626004864
Record Updated	Oct 29, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Nov 2, 2020
Property Address	10529 DOWN LAKEVIEW CIR, WINDERMERE, FL 34786-7911
Document Number	0000569679
Instrument Date	Oct 30, 2020
Instrument	569679
Transaction Type	Transfer
Record Updated	Nov 17, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$19,131.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	10529 DOWN LAKEVIEW CIR WINDERMERE FL 347867911, WINDERMERE, FL 34786-7911

Mortgage

Document Number	569681
Date	Nov 2, 2020
Instrument	569681

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	1111 POLARIS PKWY, COLUMBUS, OH 43240-2031

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2035

October 2016: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ORANGE FL
Property Address	10529 DOWN LAKEVIEW CIR, WINDERMERE, FL 34786-7911
Document Number	0000019860
Instrument Date	Oct 20, 2016
Transaction Type	Mortgage
Record Updated	Aug 15, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10529 DOWN LAKEVIEW CIR WINDERMERE FL 347867911, WINDERMERE, FL 34786-7911

Mortgage

Document Number	0000019860
Date	Jan 11, 2017
Instrument	19860

Lender

Name	SUNTRUST BK
Type	Bank
Address	RICHMOND, VA 23285-5130

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jan 10, 2037

Interest

Rate Type	Adjustable Rate

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		$3,122,490 (-0.95%) Land $1,400,000 Building $1,722,490	$3,122,490 (-0.95%) Land $1,400,000 Building $1,722,490
2025	$51,617.00 (+2.75%) Homeowner's exemption	$3,152,550 (+4.78%) Land $1,400,000 Building $1,752,550	$3,152,550 (+4.78%) Land $1,400,000 Building $1,752,550
2024	$50,237.00 (+6.29%)
2023	$47,266.00 (+19.35%) Homeowner's exemption	$3,008,870 (+17.45%) Land $1,400,000 Building $1,608,870	$3,008,870 (+17.45%) Land $1,400,000 Building $1,608,870
2022	$39,603.00	$2,561,761 Land $1,200,000 Building $1,361,761	$2,561,761 Land $1,200,000 Building $1,361,761

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 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 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

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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