10845 Bayshore Dr, Windermere, FL 34786 Property Records

Orange County property record for 10845 Bayshore Dr, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	3 bd · 5 ba · 4,666 sqft · built 2013
Lot Size	2.58 acres (112,617 sqft)
Owner	2 Individual Names on Record
Last Sale	$3,795,000 (Jul 2025)
Tax Bill	$31,667 (2025)
Deeds & Mortgages	Jul 2019 Sale
Flood Zone	Zone AE (high risk)
APN	`05-23-28-0545-00-080`

Property Details

APN / Parcel Number

Primary APN	`05-23-28-0545-00-080`
Alternative APNs	`282305054500080` `274532` `279377` `283534`

Interior

Bedrooms	3 Beds
Full Baths	5 Baths
Stories	1 Story
Building Area	4,666 sqft Living Area
Gross Area	8,190 sqft
1st Floor Area	4,666 sqft
Utility Area	126 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	112,617 sqft (2.58 acres)
Garage Type	Attached
Garage Area	1,356 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	2,042 sqft
Boat Access	Boat Access
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10845 BAYSHORE DR
City	WINDERMERE
State	FL
Zip	34786-7801
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFR
Legal Description	BAYSHORE ESTATES 7/138 LOT 8
Legal Range	28E
Legal Township	23S
Legal Section	05
Legal Subdivision	BAYSHORE ESTS
Legal Tract	545
Legal Lot Number	8
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1022
Census Tract	14814

Owner

Source: Orange County records, as of June 26, 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	2 Individual Names on Record
Mailing Address	10845 BAYSHORE DR, WINDERMERE, FL 34786-7801
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2025 · Amount on Record
Deed Sale	Jul 7, 2025 · Amount on Record
Prior Sale	Jan 21, 2011 · Amount on Record
Deed Document Number	2025390046
Prior Transfer Date	Jul 18, 2019
Prior Transfer Doc	0000473136
Record Updated	Sep 20, 2026

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jul 31, 2019
Property Address	10845 BAYSHORE DR, WINDERMERE, FL 34786-7801
Document Number	0000473136
Instrument Date	Jul 18, 2019
Instrument	473136
Transaction Type	Transfer
Record Updated	Aug 19, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	10845 BAYSHORE DR WINDERMERE FL 347867801, WINDERMERE, FL 34786-7801

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$2,750,820 (+42.84%) Land $1,400,000 Building $1,350,820	$2,750,820 (-0.77%) Land $1,400,000 Building $1,350,820
2025	$31,667.00 (+2.88%) Homeowner's exemption	$1,925,745 (+5.99%)	$2,772,110 (+5.96%) Land $1,400,000 Building $1,372,110
2024	$30,782.00 (+3.28%)
2023	$29,804.00 (+2.8%) Homeowner's exemption	$1,816,963 (+3%)	$2,616,105 (+17.24%) Land $1,400,000 Building $1,216,105
2022	$28,993.00 Homeowner's exemption	$1,764,042	$2,231,423 Land $1,200,000 Building $1,031,423

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 Record 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	Not rated no burnable land within 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 24 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
T-Mobile Fixed Wireless	100 / 20