10530 Down Lakeview Cir, Windermere, FL 34786 Property Records

Orange County property record for 10530 Down Lakeview Cir, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,217 sqft · built 1986
Lot Size	1 acres (43,619 sqft)
Owner	2 Individual Names on File
Last Sale	$780,000 (Sep 2020)
Tax Bill	$614 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Sep 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05-23-28-4818-00-550`

Property Details

APN / Parcel Number

Primary APN	`05-23-28-4818-00-550`
Alternative APNs	`282305481800550` `274677` `279519` `283677`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,217 sqft Living Area
Gross Area	6,520 sqft
1st Floor Area	2,921 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2010
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	43,619 sqft (1 acres)
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	1,522 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10530 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 55
Legal Range	28E
Legal Township	23S
Legal Section	05
Legal Subdivision	LAKES
Legal Tract	4818
Legal Lot Number	55
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1007
Census Tract	14814

Owner

10530 Down Lakeview Cir is owned and occupied by two individuals who bought it in September 2020.

Source: Orange County records, as of April 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10530 DOWN LAKEVIEW CIR, WINDERMERE, FL 34786-7906
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Oct 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage ALLY BANK
Sep 22, 2020	Warranty Deed, Transfer CENTRAL BK
Nov 30, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Nov 30, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 22, 2020 · Amount on File
Deed Sale	Sep 22, 2020 · Amount on File
Prior Sale	Apr 28, 2016 · Amount on File
Deed Document Number	2020493411
Prior Transfer Date	Nov 7, 2017
Prior Transfer Doc	0000649834
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	10530 DOWN LAKEVIEW CIR, WINDERMERE, FL 34786-7906
Transaction Type	Mortgage
Record Updated	Jan 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10530 DOWN LAKEVIEW CIR, WINDERMERE, FL 34786-7906

Mortgage

Document Number	0000638566
Date	Oct 19, 2021
Instrument	20210638566

Lender

Name	ALLY BANK
Type	Bank
Address	CHARLOTTE, NC 28202

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Sep 22, 2020
Property Address	10530 DOWN LAKEVIEW CIR, WINDERMERE, FL 34786-7906
Document Number	0000493411
Instrument Date	Sep 18, 2020
Instrument	493411
Transaction Type	Transfer
Record Updated	Oct 9, 2020
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,460.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10530 DOWN LAKEVIEW CIR WINDERMERE FL 347867906, WINDERMERE, FL 34786-7906

Mortgage

Document Number	493412
Date	Sep 22, 2020
Instrument	493412

Lender

Name	CENTRAL BK
Type	Bank
Address	TAMPA, FL 33647

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 21, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.25%

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE FL
Recording Date	Nov 30, 2017
Property Address	10530 DOWN LAKEVIEW CIR, WINDERMERE, FL 34786-7906
Document Number	0000649841
Instrument Date	Nov 7, 2017
Instrument	649841
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	10530 DOWN LAKEVIEW CIR WINDERMERE FL 347867906, WINDERMERE, FL 34786-7906

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE FL
Recording Date	Nov 30, 2017
Property Address	10530 DOWN LAKEVIEW CIR, WINDERMERE, FL 34786-7906
Document Number	0000649834
Instrument Date	Nov 7, 2017
Instrument	649834
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10530 DOWN LAKEVIEW CIR WINDERMERE FL 347867906, WINDERMERE, FL 34786-7906

Tax Assessment & Valuation

The 2025 property tax bill for 10530 Down Lakeview Cir was $614, down 94.9% 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		$788,374 (+2.7%)	$1,094,850 (-1.24%) Land $195,000 Building $899,850
2025	$614.00 (-94.88%) Homeowner's exemption	$767,648	$1,108,550 Land $195,000 Building $913,550
2024	$11,996.00 (+7.31%)
2023	$11,179.00 (+3.25%) Homeowner's exemption	$724,285 (+3%)	$928,735 (+24.22%) Land $195,000 Building $733,735
2022	$10,827.00 Homeowner's exemption	$703,189	$747,643 Land $195,000 Building $552,643

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

Flood

FEMA maps place 10530 Down Lakeview Cir 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 10530 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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