Orange County property record for 11187 Ledgement Ln, Windermere, FL 34786
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,975 sqft · built 2002 |
| Lot Size | 0.441 acres (19,212 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $479,000 (Apr 2020) |
| Tax Bill | $5,907 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Mar 2023 Second Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-23-28-3101-01-570 |
| Primary APN | 19-23-28-3101-01-570 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,975 sqft Living Area |
| Gross Area | 3,776 sqft |
| 1st Floor Area | 2,776 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Concrete |
| Lot Area | 19,212 sqft (0.441 acres) |
| Garage Type | Attached |
| Garage Area | 660 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 340 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 11187 LEDGEMENT LN |
|---|---|
| City | WINDERMERE |
| State | FL |
| Zip | 34786-6418 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | P-D |
| Legal Description | GLENMUIR UT 2 51/42 LOT 157 |
| Legal Range | 28E |
| Legal Township | 23S |
| Legal Section | 19 |
| Legal Subdivision | GLENMUIR UT 2 |
| Legal Tract | 3101 |
| Legal Block | 1 |
| Legal Lot Number | 157 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 17115 |
11187 Ledgement Ln is owned and occupied by two individuals who bought it in April 2020.
Source: Orange County records, as of May 21, 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 File |
|---|---|
| Mailing Address | 11187 LEDGEMENT LN, WINDERMERE, FL 34786-6418 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 27, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Mar 6, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Apr 2, 2020 | Warranty Deed, Transfer · Conventional with PMI WATERSTONE MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 2, 2020 · Amount on File |
| Deed Sale | Apr 2, 2020 · Amount on File |
| Prior Sale | Oct 13, 2008 · Amount on File |
| Deed Document Number | 2020209549 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Apr 27, 2026 |
| Property Address | 11187 LEDGEMENT LN, WINDERMERE, FL 34786-6418 |
| Document Number | 0000236619 |
| Instrument Date | Apr 17, 2026 |
| Instrument | 2026236619 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SIMPLIFILE |
| Name | Verified Name |
|---|---|
| Address | 11187 LEDGEMENT LN, WINDERMERE, FL 34786-6418 |
| Document Number | 0000236619, |
|---|---|
| Date | Apr 27, 2026 |
| Instrument | 2026236619 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 11187 LEDGEMENT LN, WINDERMERE, FL 34786-6418 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2023 |
| Name | Verified Name |
|---|---|
| Address | 11187 LEDGEMENT LN, WINDERMERE, FL 34786-6418 |
| Document Number | 0000124316 |
|---|---|
| Date | Mar 6, 2023 |
| Instrument | 20230124316 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | GREENWOOD, DE 19950 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 3, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Apr 2, 2020 |
| Property Address | 11187 LEDGEMENT LN, WINDERMERE, FL 34786-6418 |
| Document Number | 0000209549 |
| Instrument Date | Mar 31, 2020 |
| Instrument | 209549 |
| Transaction Type | Transfer |
| Record Updated | May 5, 2020 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/FL INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,353.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 11187 LEDGEMENT LN WINDERMERE FL 347866418, WINDERMERE, FL 34786-6418 |
| Document Number | 209550 |
|---|---|
| Date | Apr 2, 2020 |
| Instrument | 209550 |
| Name | WATERSTONE MTG |
|---|---|
| Type | Mortgage Company |
| Address | PEWAUKEE, WI 53072 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2050 |
The 2025 property tax bill for 11187 Ledgement Ln was $5,907, up 4.6% from the year before.
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 | $386,829 (+2.7%) | $703,070 (-1.23%) Land $175,000 Building $528,070 | |
| 2025 | $5,907.00 (+4.62%) Homeowner's exemption | $376,659 | $711,850 Land $175,000 Building $536,850 |
| 2024 | $5,646.00 (+7.28%) | ||
| 2023 | $5,263.00 (+3.54%) Homeowner's exemption | $355,383 (+3%) | $568,051 (+15.33%) Land $95,000 Building $473,051 |
| 2022 | $5,083.00 Homeowner's exemption | $345,032 | $492,558 Land $95,000 Building $397,558 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 11187 Ledgement Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 File 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 risk around 11187 Ledgement Ln is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 97.6% of Florida |
|---|---|
| Wildfire Likelihood | Under 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 205 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures