10920 Ledgement Ln, Windermere, FL 34786 Property Records

Orange County property record for 10920 Ledgement Ln, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,024 sqft · built 2003
Lot Size	0.32 acres (13,938 sqft)
Owner	2 Individual Names on File
Last Sale	$320,000 (Dec 2009)
Tax Bill	$8,114 (2025)
Deeds & Mortgages	Mar 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`19-23-28-3101-02-060`

Property Details

APN / Parcel Number

Primary APN	`19-23-28-3101-02-060`
Alternative APNs	`282319310102060` `284806` `289656` `293821`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	3,024 sqft Living Area
Gross Area	3,997 sqft
1st Floor Area	3,024 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	13,938 sqft (0.32 acres)
Garage Type	Attached
Garage Area	635 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Porch	Slab
Porch Area	338 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10920 LEDGEMENT LN
City	WINDERMERE
State	FL
Zip	34786-6422
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GLENMUIR UT 2 51/42 LOT 206
Legal Range	28E
Legal Township	23S
Legal Section	19
Legal Subdivision	GLENMUIR UT 2
Legal Tract	3101
Legal Block	2
Legal Lot Number	206
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2015
Census Tract	17115

Owner

Source: Orange County records · APN 19-23-28-3101-02-060

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	10920 LEDGEMENT LN, WINDERMERE, FL 34786-6422
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 29, 2009 · Amount on Record
Deed Sale	Dec 29, 2009 · Amount on Record
Prior Sale	Jul 31, 2009 · Amount on Record
Deed Document Number	2009749260
Deed Book / Page	9981 / 1747
Prior Transfer Date	Dec 31, 2004
Prior Transfer Doc	0000085581
Record Updated	Jun 08, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	10920 LEDGEMENT LN, WINDERMERE, FL 34786-6422
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000163621
Date	Mar 20, 2019
Instrument	20190163621

Lender

Name	PARTNERS FCU
Type	Credit Union
Address	ORLANDO, FL 32821

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Mar 19, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$525,089 (+2.7%)	$751,820 (-1.31%) Land $175,000 Building $576,820
2025	$8,114.00 (+4.13%) Homeowner's exemption	$511,284 (+5.99%)	$761,830 (+23.56%) Land $175,000 Building $586,830
2024	$7,792.00 (+7.25%)
2023	$7,265.00 (+3.31%) Homeowner's exemption	$482,403 (+3%)	$616,576 (+14.38%) Land $95,000 Building $521,576
2022	$7,032.00 Homeowner's exemption	$468,352	$539,063 Land $95,000 Building $444,063

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Orange County (12095C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120950171152, refreshed September 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 minimal risk
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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 180 locations within half a mile · Last verified October 2026

Provider	Max Down / Up (Mbps)
Lumen Technologies Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 35
T-Mobile USA Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water System	OCUD/SOUTHERN WATER SYS (5 WPS) serves 80,738 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.