Orange County property record for 10987 Ledgement Ln, Windermere, FL 34786
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,848 sqft · built 2003 |
| Lot Size | 0.456 acres (19,854 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $277,200 (Nov 2003) |
| Tax Bill | $5,903 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Dec 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-23-28-3101-01-850 |
| Primary APN | 19-23-28-3101-01-850 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,848 sqft Living Area |
| Gross Area | 3,784 sqft |
| 1st Floor Area | 2,848 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 | 19,854 sqft (0.456 acres) |
| Garage Type | Attached |
| Garage Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 616 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 10987 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 185 |
| Legal Range | 28E |
| Legal Township | 23S |
| Legal Section | 19 |
| Legal Subdivision | GLENMUIR UT 2 |
| Legal Tract | 3101 |
| Legal Block | 1 |
| Legal Lot Number | 185 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 17115 |
Source: Orange County assessment roll, APN 19-23-28-3101-01-850, as of 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 | 10987 LEDGEMENT LN, WINDERMERE, FL 34786-6423 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 09, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Dec 20, 2019 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 12, 2003 · Amount on Record |
| Deed Sale | Nov 12, 2003 · Amount on Record |
| Deed Document Number | 2003660208 |
| Deed Book / Page | 7192 / 3200 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 10987 LEDGEMENT LN, WINDERMERE, FL 34786-6423 |
| Transaction Type | Mortgage |
| Record Updated | Dec 01, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 10987 LEDGEMENT LN, WINDERMERE, FL 34786-6423 |
| Document Number | 20210687414 |
|---|---|
| Date | Nov 09, 2021 |
| Instrument | 20210687414 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Dec 01, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 10987 LEDGEMENT LN, WINDERMERE, FL 34786-6423 |
| Document Number | 0000807798 |
| Instrument Date | Dec 20, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10987 LEDGEMENT LN WINDERMERE FL 347866423, WINDERMERE, FL 34786-6423 |
| Document Number | 0000807798 |
|---|---|
| Date | Dec 27, 2019 |
| Instrument | 807798 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 26, 2034 |
Source: Orange County assessment roll as of April 30, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Unified School District | Orange County School District (PK - 12) |
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 | $386,542 (+2.7%) | $730,998 (-1.36%) Land $175,000 Building $555,998 | |
| 2025 | $5,903.00 (+4.64%) Homeowner's exemption | $376,380 (+5.99%) | $741,066 (+23.92%) Land $175,000 Building $566,066 |
| 2024 | $5,641.00 (+7.26%) | ||
| 2023 | $5,259.00 (+3.54%) Homeowner's exemption | $355,119 (+3%) | $598,032 (+14.25%) Land $95,000 Building $503,032 |
| 2022 | $5,079.00 Homeowner's exemption | $344,776 | $523,451 Land $95,000 Building $428,451 |
Source: FEMA National Flood Hazard Layer, Orange County (12095C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120950171152, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
| 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.
Source: FCC Broadband Data Collection, 180 locations within half a mile, as of December 31, 2025 · 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 |
Source: EPA Safe Drinking Water Information System, water system FL3484119, as of 2026 Q3 · EPA water system boundaries as of 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 |
| 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.
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