Orange County property record for 10999 Ledgement Ln, Windermere, FL 34786
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,788 sqft · built 2003 |
| Lot Size | 0.517 acres (22,506 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $24,200 (Nov 2021) |
| Tax Bill | $6,124 (2025) |
| Deeds & Mortgages | Dec 2022 Second Mortgage Sep 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-23-28-3101-01-830 |
| Primary APN | 19-23-28-3101-01-830 |
|---|---|
| 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 | 22,506 sqft (0.517 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 | 10999 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 183 |
| Legal Range | 28E |
| Legal Township | 23S |
| Legal Section | 19 |
| Legal Subdivision | GLENMUIR UT 2 |
| Legal Tract | 3101 |
| Legal Block | 1 |
| Legal Lot Number | 183 |
| 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 are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 10999 LEDGEMENT LN, WINDERMERE, FL 34786-6423 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 5, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU |
| Sep 8, 2017 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 30, 2021 · Amount on Record |
| Deed Sale | Nov 30, 2021 · Amount on Record |
| Prior Sale | Dec 14, 2012 · Amount on Record |
| Deed Document Number | 2021727952 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 10999 LEDGEMENT LN, WINDERMERE, FL 34786-6423 |
| Transaction Type | Mortgage |
| Record Updated | Dec 21, 2022 |
| Name | Verified Name |
|---|---|
| Address | 10999 LEDGEMENT LN, WINDERMERE, FL 34786-6423 |
| Document Number | 0000727952 |
|---|---|
| Date | Dec 5, 2022 |
| Instrument | 20220727952 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Nov 1, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 10999 LEDGEMENT LN, WINDERMERE, FL 34786-6423 |
| Document Number | 0000519375 |
| Instrument Date | Sep 8, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 5, 2017 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10999 LEDGEMENT LN WINDERMERE FL 347866423, WINDERMERE, FL 34786-6423 |
| Document Number | 0000519375 |
|---|---|
| Date | Sep 22, 2017 |
| Instrument | 519375 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Sep 21, 2022 |
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 | $400,408 (+2.7%) | $712,250 (-1.33%) Land $175,000 Building $537,250 | |
| 2025 | $6,124.00 (+4.58%) Homeowner's exemption | $389,881 (+5.99%) | $721,820 (+24.55%) Land $175,000 Building $546,820 |
| 2024 | $5,856.00 (+7.25%) | ||
| 2023 | $5,460.00 (+3.51%) Homeowner's exemption | $367,857 (+3%) | $579,537 (+14.56%) Land $95,000 Building $484,537 |
| 2022 | $5,275.00 Homeowner's exemption | $357,143 | $505,891 Land $95,000 Building $410,891 |
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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