Orange County property record for 10915 Ledgement Ln, Windermere, FL 34786
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,788 sqft · built 2003 |
| Lot Size | 0.322 acres (14,008 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,010,000 (May 2026) |
| Tax Bill | $9,060 (2025) |
| Deeds & Mortgages | Jun 2022 Line of Credit Apr 2024 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-23-28-3101-01-970 |
| Primary APN | 19-23-28-3101-01-970 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 1 Story |
| Building Area | 2,788 sqft Living Area |
| Gross Area | 3,796 sqft |
| 1st Floor Area | 2,788 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Concrete |
| Lot Area | 14,008 sqft (0.322 acres) |
| Garage Type | Attached |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
| Porch Area | 336 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 10915 LEDGEMENT LN |
|---|---|
| City | WINDERMERE |
| State | FL |
| Zip | 34786-6423 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | P-D |
| Legal Description | GLENMUIR UT 2 51/42 LOT 197 |
| Legal Range | 28E |
| Legal Township | 23S |
| Legal Section | 19 |
| Legal Subdivision | GLENMUIR UT 2 |
| Legal Tract | 3101 |
| Legal Block | 1 |
| Legal Lot Number | 197 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 17115 |
Source: Orange County records, as of June 9, 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 | 12284 E HORTON RD, RIGA, MI 49276-9794 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jun 1, 2022 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Apr 5, 2024 | Deed of Trust, Mortgage · Line of Credit WAYNE RIECK ETUX |
| May 29, 2026 | Warranty Deed, Transfer · Conventional Mortgage MORTGAGE FIRM |
| May 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK |
| May 27, 2021 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 29, 2026 · Amount on Record |
| Deed Sale | May 29, 2026 · Amount on Record |
| Prior Sale | Aug 24, 2021 · Amount on Record |
| Deed Document Number | 2026300767 |
| Prior Transfer Date | May 25, 2021 |
| Prior Transfer Doc | 0000518109 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 10915 LEDGEMENT LN, WINDERMERE, FL 34786-6423 |
| Transaction Type | Mortgage |
| Record Updated | Jun 10, 2026 |
| Name | Verified Name |
|---|---|
| Address | 10915 LEDGEMENT LN, WINDERMERE, FL 34786-6423 |
| Document Number | 0000343638 |
|---|---|
| Date | Jun 1, 2022 |
| Instrument | 20220343638 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | May 10, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 10915 LEDGEMENT LN, WINDERMERE, FL 34786-6423 |
| Transaction Type | Mortgage |
| Record Updated | Jun 10, 2026 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 1290, WHITEVILLE, NC 28472-1290 |
| Investor | Possibly a Property Investor |
| Document Number | 0000200275 |
|---|---|
| Date | Apr 5, 2024 |
| Instrument | 20240200275 |
| Name | WAYNE RIECK ETUX |
|---|---|
| Type | Private Party |
| Address | 10915 LEDGEMENT LN, WINDERMERE, FL 34786 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Mar 21, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | May 29, 2026 |
| Property Address | 10915 LEDGEMENT LN, WINDERMERE, FL 34786-6423 |
| Document Number | 0000300767 |
| Instrument Date | May 27, 2026 |
| Instrument | 2026300767 |
| Transaction Type | Transfer |
| Record Updated | Jun 9, 2026 |
| Title Company | LIGHTHOUSE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $714,070.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12284 E HORTON RD, RIGA, MI 49276-9794 |
| Document Number | 0000300768, |
|---|---|
| Date | May 29, 2026 |
| Instrument | 2026300768 |
| Name | MORTGAGE FIRM |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 10915 LEDGEMENT LN, WINDERMERE, FL 34786-6423 |
| Transaction Type | Mortgage |
| Record Updated | Feb 1, 2024 |
| Name | Verified Name |
|---|---|
| Address | 2009 MOUNTAIN ASH CIR, HENDERSONVILLE, NC 28739-7806 |
| Document Number | 0000319368 |
|---|---|
| Date | May 27, 2021 |
| Instrument | 20210319368 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | RICHMOND, VA 23224 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | May 27, 2021 |
| Property Address | 10915 LEDGEMENT LN, WINDERMERE, FL 34786-6423 |
| Document Number | 20210319346 |
| Map Reference | MB 51 PG 42 |
| Instrument Date | May 25, 2021 |
| Instrument | 20210319346 |
| Transaction Type | Transfer |
| Record Updated | Jun 16, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6124 CHESHIRE LN, 6124, ORLANDO, FL 32819-4920 |
| Name | Verified Name |
|---|---|
| Address | 10915 LEDGEMENT LN, WINDERMERE, FL 34786-6423 |
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 | $584,379 (+2.7%) | $726,220 (-1.32%) Land $175,000 Building $551,220 | |
| 2025 | $9,060.00 (+3.99%) Homeowner's exemption | $569,016 (+5.99%) | $735,930 (+23.83%) Land $175,000 Building $560,930 |
| 2024 | $8,712.00 (+7.24%) | ||
| 2023 | $8,124.00 (+3.25%) Homeowner's exemption | $536,874 (+3%) | $594,301 (+14.02%) Land $95,000 Building $499,301 |
| 2022 | $7,868.00 Homeowner's exemption | $521,237 Land $95,000 Building $426,237 | $521,237 Land $95,000 Building $426,237 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 61 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 61 in force |
| Nearby Flood Claims | 3 (2022–2024) |
| Claims Outside the SFHA | 2 of 3 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 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.
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 180 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
| Spectrum Cable | 1,000 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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