10951 Ledgement Ln, Windermere, FL 34786 Property Records

Orange County property record for 10951 Ledgement Ln, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,024 sqft · built 2003
Lot Size	0.35 acres (15,230 sqft)
Owner	2 Individual Names on Record
Last Sale	$332,500 (May 2008)
Tax Bill	$5,776 (2025)
Deeds & Mortgages	Feb 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`19-23-28-3101-01-910`

Property Details

APN / Parcel Number

Primary APN	`19-23-28-3101-01-910`
Alternative APNs	`282319310101910` `284788` `289638` `293801`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
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	15,230 sqft (0.35 acres)
Garage Type	Attached
Garage Area	635 sqft
Parking Spaces	2 Parking Spaces
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	10951 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 191
Legal Range	28E
Legal Township	23S
Legal Section	19
Legal Subdivision	GLENMUIR UT 2
Legal Tract	3101
Legal Block	1
Legal Lot Number	191
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2014
Census Tract	17115

Owner

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	10951 LEDGEMENT LN, WINDERMERE, FL 34786-6423
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2008 · Amount on Record
Deed Sale	May 15, 2008 · Amount on Record
Prior Sale	Mar 25, 2008
Deed Document Number	2008291279
Deed Book / Page	9693 / 3473
Prior Transfer Date	Feb 26, 2008
Prior Transfer Doc	0000175587
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	10951 LEDGEMENT LN, WINDERMERE, FL 34786-6423
Transaction Type	Mortgage
Record Updated	Feb 26, 2021
Title Company	MORTGAGE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10951 LEDGEMENT LN, WINDERMERE, FL 34786-6423

Mortgage

Document Number	20210071487
Date	Feb 5, 2021
Instrument	20210071487

Lender

Name	FAIRWINDS CU
Type	Credit Union
Address	ORLANDO, FL 32826

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Feb 4, 2026

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$378,630 (+2.7%)	$759,450 (-1.32%) Land $175,000 Building $584,450
2025	$5,776.00 (+4.68%) Homeowner's exemption	$368,676 (+5.99%)	$769,600 (+23.5%) Land $175,000 Building $594,600
2024	$5,518.00 (+7.25%)
2023	$5,145.00 (+5.19%) Homeowner's exemption	$347,850 (+4.5%)	$623,182 (+15.52%) Land $95,000 Building $528,182
2022	$4,891.00 Homeowner's exemption	$332,864	$539,473 Land $95,000 Building $444,473

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

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 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.

Wildfire

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.

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 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