Orange County property record for 10648 Reams Rd, Windermere, FL 34786
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,888 sqft · built 2014 |
| Lot Size | 0.96 acres (4,160 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $255,000 (Apr 2014) |
| Tax Bill | $7,456 (2025) |
| Deeds & Mortgages | Apr 2024 Line of Credit Feb 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 36-23-27-9159-00-610 |
| Primary APN | 36-23-27-9159-00-610 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,888 sqft Living Area |
| Gross Area | 2,848 sqft |
| 1st Floor Area | 746 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 4,160 sqft (0.96 acres) |
| Garage Type | Attached |
| Garage Area | 478 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 10648 REAMS RD |
|---|---|
| City | WINDERMERE |
| State | FL |
| Zip | 34786-5714 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | P-D |
| Legal Description | WINDERMERE TRAILS PHASE 1C 80/15 LOT 61 |
| Legal Range | 27E |
| Legal Township | 23S |
| Legal Section | 36 |
| Legal Subdivision | WINDERMERE TRAILS PH 1C |
| Legal Phase | 1C |
| Legal Tract | 9159 |
| Legal Lot Number | 61 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 3 |
| Census Block | 3048 |
| Census Tract | 17112 |
Source: Orange County records, as of May 4, 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 Record |
|---|---|
| Mailing Address | 10648 REAMS RD, WINDERMERE, FL 34786-5714 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 12, 2024 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Feb 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 2, 2014 · Amount on Record |
| Deed Sale | Apr 2, 2014 · Amount on Record |
| Deed Document Number | 2014164101 |
| Deed Book / Page | 10724 / 8734 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 10648 REAMS RD, WINDERMERE, FL 34786-5714 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2024 |
| Name | Verified Name |
|---|---|
| Address | 16053 SW 63RD TER, MIAMI, FL 33193-5577 |
| Document Number | 0000213240 |
|---|---|
| Date | Apr 12, 2024 |
| Instrument | 20240213240 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 30, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 10648 REAMS RD, WINDERMERE, FL 34786-5714 |
| Document Number | 0000113981 |
| Instrument Date | Feb 14, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Address | 16053 SW 63RD TER MIAMI FL 331935577, MIAMI, FL 33193-5577 |
| Document Number | 0000113981 |
|---|---|
| Date | Feb 21, 2020 |
| Instrument | 113981 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 20, 2050 |
Source: Orange County assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Unified School District | Orange County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $419,910 (+4.66%) Land $100,000 Building $319,910 | $419,910 (-8.51%) Land $100,000 Building $319,910 | |
| 2025 | $7,456.00 (+9.61%) | $401,213 (+0.22%) | $458,970 (+14.65%) Land $100,000 Building $358,970 |
| 2024 | $6,802.00 (+12.56%) | ||
| 2023 | $6,043.00 (+14.67%) | $400,332 (+22.21%) Land $95,000 Building $305,332 | $400,332 (+22.21%) Land $95,000 Building $305,332 |
| 2022 | $5,270.00 | $327,569 Land $71,250 Building $256,319 | $327,569 Land $71,250 Building $256,319 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 39 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 39 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 467 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber · DSL in parts of the area | 2,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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