1. Home
  2. Florida
  3. Orange County
  4. Windermere
  5. Down Lakeview Cir

10545 Down Lakeview Cir, Windermere, FL 34786 Property Records

Orange County property record for 10545 Down Lakeview Cir, Windermere, FL 34786

Property Summary

Property TypeSingle Family Home
Details5 bd · 5 ba · 6,934 sqft · built 1987
Lot Size2.78 acres (121,288 sqft)
Owner2 Individual Names on File
Last Sale$3,450,000 (Jan 2026)
Tax Bill$35,244 (2025)
Deeds & MortgagesJan 2026 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN05-23-28-4818-00-140

Property Details

APN / Parcel Number

Primary APN05-23-28-4818-00-140
Alternative APNs
  • 282305481800140
  • 274626
  • 279469
  • 283626

Interior

Bedrooms5 Beds
Full Baths5 Baths
Stories2 Stories
Building Area6,934 sqft Living Area
Gross Area9,637 sqft
1st Floor Area5,069 sqft
FlooringWood
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1987
Effective Year BuiltEffective 1987
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area121,288 sqft (2.78 acres)
Garage TypeAttached
Garage Area446 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchFinished/Open Porch
Porch Area1,066 sqft
Patio Area993 sqft
Shed1 Shed
Boat AccessBoat Access
Total Buildings2 Buildings

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address10545 DOWN LAKEVIEW CIR
CityWINDERMERE
StateFL
Zip34786-7911
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-CE
Legal DescriptionTHE LAKES 11/12 LOT 14
Legal Range28E
Legal Township23S
Legal Section05
Legal SubdivisionLAKES
Legal Tract4818
Legal Lot Number14
JurisdictionORANGE FL
Township / Civil DivisionSOUTHWEST ORANGE
Census Block Group1
Census Block1020
Census Tract14814

Owner

10545 Down Lakeview Cir is owned and occupied by two individuals who bought it in January 2026.

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

Owner of Record2 Individual Names on File
Mailing Address10545 DOWN LAKEVIEW CIR, WINDERMERE, FL 34786-7911
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants 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

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 22, 2026 · Amount on File
Deed SaleJan 22, 2026 · Amount on File
Prior SaleJun 6, 2016 · Amount on File
Deed Document Number202639274
Record UpdatedOct 29, 2026

January 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionORANGE FL
Recording DateJan 22, 2026
Property Address10545 DOWN LAKEVIEW CIR, WINDERMERE, FL 34786-7911
Document Number0000039274
Map ReferenceMB 11 PG 12&13
Instrument DateJan 20, 2026
Instrument20260039274
Transaction TypeTransfer
Record UpdatedFeb 3, 2026
Title CompanyUNKNOWN, SEA ROCK TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$24,150.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address10821 BAYSHORE DR, WINDERMERE, FL 34786-7801

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address10545 DOWN LAKEVIEW CIR, WINDERMERE, FL 34786-7911

Mortgage

Document Number0000039275
DateJan 22, 2026
Instrument20260039275
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueFeb 1, 2056

Tax Assessment & Valuation

The 2025 property tax bill for 10545 Down Lakeview Cir was $35,244, up 3.1% from the year before.

Source: Orange County assessment roll, as of April 30, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOrange County
Unified School DistrictOrange County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$2,211,699 (+2.7%)$3,069,870 (-1.74%) Land $1,400,000 Building $1,669,870
2025$35,244.00 (+3.14%) Homeowner's exemption$2,153,553$3,124,130 Land $1,400,000 Building $1,724,130
2024$34,172.00 (+7.23%)
2023$31,868.00 (+2.91%) Homeowner's exemption$2,031,903 (+3%)$2,925,566 (+17.22%) Land $1,400,000 Building $1,525,566
2022$30,968.00 Homeowner's exemption$1,972,721$2,495,714 Land $1,200,000 Building $1,295,714

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

Flood

FEMA maps place 10545 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation100.7 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 37 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies37 in force
Nearby Flood Claims2 (2022–2024)
Claims Outside the SFHA2 of 2
Most Recent ClaimOct 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 10545 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 RiskLow
lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemOCUD/SOUTHERN WATER SYS (5 WPS)
serves 80,738 people · EPA ID FL3484119
Water SourceGroundwater
Last State InspectionMay 2024
Lead2 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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