11205 Rapallo Ln, Windermere, FL 34786 Property Records

Orange County property record for 11205 Rapallo Ln, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,471 sqft · built 2002
Lot Size	0.197 acres (8,587 sqft)
Owner	Individual Name on Record
Last Sale	$345,000 (May 2016)
Tax Bill	$5,558 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Jan 2024 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`31-22-28-0243-00-770`

Property Details

APN / Parcel Number

Primary APN	`31-22-28-0243-00-770`
Alternative APNs	`282231024300770` `258693` `263540` `268085`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,471 sqft Living Area
Gross Area	3,396 sqft
1st Floor Area	1,279 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	8,587 sqft (0.197 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	266 sqft
Patio Area	8 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	11205 RAPALLO LN
City	WINDERMERE
State	FL
Zip	34786-6026
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	BELMERE VILLAGE G2 48/65 LOT 77
Legal Range	28E
Legal Township	22S
Legal Section	31
Legal Subdivision	BELMERE VILLAGE G2
Legal Tract	243
Legal Lot Number	77
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2002
Census Tract	17120

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	Individual Name on Record
Mailing Address	11205 RAPALLO LN, WINDERMERE, FL 34786-6026
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2025	Deed of Trust, Mortgage · Line of Credit USF FCU
Jan 24, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Aug 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage MILLENNIAL HOME LENDING INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 17, 2016 · Amount on Record
Deed Sale	May 17, 2016 · Amount on Record
Deed Document Number	2016249823
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	11205 RAPALLO LN, WINDERMERE, FL 34786-6026
Transaction Type	Mortgage
Record Updated	Oct 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11205 RAPALLO LN, WINDERMERE, FL 34786-6026

Mortgage

Document Number	0000564635
Date	Sep 29, 2025
Instrument	20250564635

Lender

Name	USF FCU
Type	Credit Union
Address	TAMPA, FL 33646

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 17, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	11205 RAPALLO LN, WINDERMERE, FL 34786-6026
Transaction Type	Mortgage
Record Updated	Feb 6, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11205 RAPALLO LN, WINDERMERE, FL 34786-6026

Mortgage

Document Number	0000046776
Date	Jan 24, 2024
Instrument	20240046776

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2039

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	11205 RAPALLO LN, WINDERMERE, FL 34786-6026
Transaction Type	Mortgage
Record Updated	Jan 3, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11205 RAPALLO LN, WINDERMERE, FL 34786-6026

Mortgage

Document Number	0000509711
Date	Aug 20, 2021
Instrument	20210509711

Lender

Name	MILLENNIAL HOME LENDING INC
Type	Mortgage Company
Address	CHATSWORTH, CA 91311

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2041

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		$370,852 (+2.7%)	$553,740 (-0.96%) Land $100,000 Building $453,740
2025	$5,558.00 (+4.75%) Homeowner's exemption	$361,102 (+5.99%)	$559,090 (+10.8%) Land $100,000 Building $459,090
2024	$5,306.00 (+7.32%)
2023	$4,944.00 (+3.47%) Homeowner's exemption	$340,704 (+3%)	$504,576 (+18.76%) Land $100,000 Building $404,576
2022	$4,778.00 Homeowner's exemption	$330,781	$424,862 Land $85,000 Building $339,862

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 76 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	76 in force
Nearby Flood Claims	1 (2024)
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 99.8% of the US · lower than 99.7% 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.

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 343 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Summit Broadband Fiber · DSL in parts of the area	40,000 / 40,000
Xfinity Cable	1,200 / 35
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Andrena, CenturyLink.

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