10537 Down Lakeview Cir, Windermere, FL 34786 Property Records

Orange County property record for 10537 Down Lakeview Cir, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	7 bd · 8.5 ba · 8,596 sqft · built 1995
Lot Size	2.77 acres (120,912 sqft)
Owner	Individual Name on File
Last Sale	$750,500 (Oct 2022)
Tax Bill	$39,019 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Oct 2017 Mortgage
Flood Zone	Zone AE (high risk)
APN	`05-23-28-4818-00-150`

Property Details

APN / Parcel Number

Primary APN	`05-23-28-4818-00-150`
Alternative APNs	`282305481800150` `274627` `279470` `283628`

Interior

Bedrooms	7 Beds
Full Baths	8.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	8,596 sqft Living Area
Gross Area	11,636 sqft
1st Floor Area	5,150 sqft
Flooring	Wood
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1996
Exterior Material	Concrete Block/Stucco
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	120,912 sqft (2.77 acres)
Garage Type	Attached
Garage Area	806 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	1,416 sqft
Patio Area	210 sqft
Water Feature	Water Feature
Boat Access	Boat Access

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10537 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 15
Legal Range	28E
Legal Township	23S
Legal Section	05
Legal Subdivision	LAKES
Legal Tract	4818
Legal Lot Number	15
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 October 13, 2026

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

Owner of Record	Individual Name on File
Mailing Address	10537 DOWN LAKEVIEW CIR, WINDERMERE, FL 34786-7911
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2022	Quit Claim Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Oct 9, 2017	Intrafamily Transfer, Transfer · ARM SUNTRUST MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 20, 2022 · Amount on File
Deed Sale	Oct 20, 2022 · Amount on File
Prior Sale	Mar 3, 2010 · Amount on File
Deed Document Number	2022639884
Prior Transfer Date	Sep 29, 2017
Prior Transfer Doc	0000548104
Record Updated	Oct 29, 2026

October 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE FL
Recording Date	Oct 20, 2022
Property Address	10537 DOWN LAKEVIEW CIR, WINDERMERE, FL 34786-7911
Document Number	0000639884
Map Reference	MB 11 PG 12&13
Instrument Date	Sep 26, 2022
Instrument	20220639884
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	AMROCK INC, AMROCK LLC

Transaction

Amount	Amount on Record
Tax	$5,253.50
Amount Accuracy	Rounded by County
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10537 DOWN LAKEVIEW CIR, 10537, WINDERMERE, FL 34786-7911

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10537 DOWN LAKEVIEW CIR, WINDERMERE, FL 34786-7911

Mortgage

Document Number	0000639885
Date	Oct 20, 2022
Instrument	20220639885

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Nov 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	9.87%
Index	Other
Max Rate	9.87%

October 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE FL
Recording Date	Oct 9, 2017
Property Address	10537 DOWN LAKEVIEW CIR, WINDERMERE, FL 34786-7911
Document Number	0000548104
Map Reference	MB 11 PG 12&13
Instrument Date	Sep 29, 2017
Instrument	20170548104
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	PREMIER TITLE OF CENTRAL FLO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10537 LAKVIEW CIR, WINDERMERE, FL 34786

Mortgage

Document Number	0000548105
Date	Oct 9, 2017
Instrument	20170548105

Lender

Name	SUNTRUST MORTGAGE INC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.74%
Type Change Date	Nov 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.74%
Index	1-Year LIBOR
Max Rate	8.74%

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		$2,448,281 (+2.7%)	$3,578,740 (-1.15%) Land $1,190,000 Building $2,388,740
2025	$39,019.00 (+3.36%) Homeowner's exemption	$2,383,915 (+6.25%)	$3,620,350 (+9.19%) Land $1,190,000 Building $2,430,350
2024	$37,749.00 (+7.23%)
2023	$35,205.00 (+2.89%) Homeowner's exemption	$2,243,591 (+3%)	$3,315,521 (+17.73%) Land $1,190,000 Building $2,125,521
2022	$34,216.00 Homeowner's exemption	$2,178,244	$2,816,310 Land $1,020,000 Building $1,796,310

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 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

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.

Nearby Properties on Down Lakeview Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures