Orange County property record for 10957 Ledgement Ln, Windermere, FL 34786
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,788 sqft · built 2003 |
| Lot Size | 0.352 acres (15,330 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $439,000 (Jun 2018) |
| Tax Bill | $11,180 (2025) |
| Deeds & Mortgages | Apr 2020 Mortgage Jun 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-23-28-3101-01-900 |
| Primary APN | 19-23-28-3101-01-900 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| 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 | 15,330 sqft (0.352 acres) |
| Garage Type | Attached |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 336 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 10957 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 190 |
| Legal Range | 28E |
| Legal Township | 23S |
| Legal Section | 19 |
| Legal Subdivision | GLENMUIR UT 2 |
| Legal Tract | 3101 |
| Legal Block | 1 |
| Legal Lot Number | 190 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 17115 |
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 | 10957 LEDGEMENT LN, WINDERMERE, FL 34786-6423 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 7, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NORTH ST BK |
| Jun 11, 2018 | Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 11, 2018 · Amount on Record |
| Deed Sale | Jun 11, 2018 · Amount on Record |
| Prior Sale | Aug 15, 2003 · Amount on Record |
| Deed Document Number | 2018342072 |
| Prior Transfer Date | Mar 18, 2014 |
| Prior Transfer Doc | 0000175053 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 10957 LEDGEMENT LN, WINDERMERE, FL 34786-6423 |
| Document Number | 0000222469 |
| Instrument Date | Apr 7, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 4, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10957 LEDGEMENT LN WINDERMERE FL 347866423, WINDERMERE, FL 34786-6423 |
| Document Number | 0000222469 |
|---|---|
| Date | Apr 8, 2020 |
| Instrument | 222469 |
| Name | NORTH ST BK |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27609 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Apr 7, 2045 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Jun 11, 2018 |
| Property Address | 10957 LEDGEMENT LN, WINDERMERE, FL 34786-6423 |
| Document Number | 0000342072 |
| Map Reference | MB 51 PG 42 |
| Instrument Date | May 23, 2018 |
| Instrument | 20180342072 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2022 |
| Title Company | HOMETOWN TITLE GROUP INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,073.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4334 VINEYARD TER, 4334, MEDFORD, OR 97504-9143 |
| Name | Verified Name |
|---|---|
| Address | 10957 LEDGEMENT LN, WINDERMERE, FL 34786-6423 |
| Document Number | 0000342075 |
|---|---|
| Date | Jun 11, 2018 |
| Instrument | 20180342075 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2048 |
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 | $680,530 (+1%) | $708,630 (-1.32%) Land $175,000 Building $533,630 | |
| 2025 | $11,180.00 (+13.44%) | $618,664 (+7.89%) | $718,080 (+25.23%) Land $175,000 Building $543,080 |
| 2024 | $9,855.00 (+12.67%) | ||
| 2023 | $8,747.00 (+11.6%) | $573,417 (+14.48%) Land $95,000 Building $478,417 | $573,417 (+14.48%) Land $95,000 Building $478,417 |
| 2022 | $7,838.00 | $500,891 Land $95,000 Building $405,891 | $500,891 Land $95,000 Building $405,891 |
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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