10738 Reams Rd, Windermere, FL 34786 Property Records

Orange County property record for 10738 Reams Rd, Windermere, FL 34786 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,890 sqft · built 2013
Lot Size	0.96 acres (4,160 sqft)
Owner	2 Individual Names on File
Last Sale	$251,100 (Jan 2014)
Tax Bill	$7,389 (2025)
Deeds & Mortgages	Apr 2024 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`36-23-27-9159-00-480`

Property Details

APN / Parcel Number

Primary APN	`36-23-27-9159-00-480`
Alternative APNs	`272336915900480` `158642` `159915` `162333`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,890 sqft Living Area
Gross Area	2,762 sqft
1st Floor Area	746 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
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

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10738 REAMS RD
City	WINDERMERE
State	FL
Zip	34786-5708
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WINDERMERE TRAILS PHASE 1C 80/15 LOT 48
Legal Range	27E
Legal Township	23S
Legal Section	36
Legal Subdivision	WINDERMERE TRAILS PH 1C
Legal Phase	1C
Legal Tract	9159
Legal Lot Number	48
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	3
Census Block	3048
Census Tract	17112

Owner

Source: Orange County records · APN 36-23-27-9159-00-480

Assessment roll updated April 30, 2026 · Last verified May 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 File
Mailing Address	10738 REAMS RD, WINDERMERE, FL 34786-5708
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 03, 2014 · Amount on Record
Deed Sale	Jan 03, 2014 · Amount on Record
Deed Document Number	20144479
Deed Book / Page	10684 / 8642
Record Updated	Jun 08, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	10738 REAMS RD, WINDERMERE, FL 34786-5708
Transaction Type	Mortgage
Record Updated	May 01, 2024
Title Company	BOSTON NATIONAL TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	AV NOCHE DE PAZ 14 GRANJAS NAVIDAD #H1 H1, H1, WINDERMERE, FL 34786

Mortgage

Document Number	0000222312
Date	Apr 17, 2024
Instrument	20240222312

Lender

Name	HSBC BANK USA
Type	Bank
Address	NEW YORK, NY 10018

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2054

Interest

Rate Type	Fixed Rate
Rate	7.94%
Type Change Date	May 01, 2034
Change Frequency	Monthly
Min Rate At Change	3%
Max Rate At Change	12.9%
Index	SOFR Average 30-Day
Margin	3
Max Rate	12.9%

Tax Assessment & Valuation

Source: Orange County records · Assessment roll updated April 30, 2026 · Last verified May 2026

Property Jurisdictions

Type	Name
State	Florida
County	Orange County
Unified School District	Orange County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$410,170 (+2.05%) Land $100,000 Building $310,170	$410,170 (-8.35%) Land $100,000 Building $310,170
2025	$7,389.00 (+8.45%)	$401,930 (+0.24%)	$447,540 (+11.62%) Land $100,000 Building $347,540
2024	$6,813.00 (+12.57%)
2023	$6,052.00 (+14.66%)	$400,959 (+22.2%) Land $95,000 Building $305,959	$400,959 (+22.2%) Land $95,000 Building $305,959
2022	$5,278.00	$328,117 Land $71,250 Building $256,867	$328,117 Land $71,250 Building $256,867

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Orange County (12095C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 34% of the US · above 9% of Florida
Wildfire Likelihood	About 1 in 2,703 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.