1128 Main St, Windermere, FL 34786 Property Records

Orange County property record for 1128 Main St, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	14 bd · 22.25 ba · 22,745 sqft · built 2014
Lot Size	2.11 acres (91,913 sqft)
Owner	2 Individuals on Record
Last Sale	$1,325,000 (Oct 2010)
Tax Bill	$60,807 (2025)
Deeds & Mortgages	Feb 2026 Sale May 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-23-28-9336-00-250`

Property Details

APN / Parcel Number

Primary APN	`17-23-28-9336-00-250`
Alternative APNs	`282317933600250` `284173` `289017` `293179`

Interior

Bedrooms	14 Beds
Full Baths	22.2 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	22,745 sqft Living Area
Gross Area	34,012 sqft
1st Floor Area	6,533 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	91,913 sqft (2.11 acres)
Lot Width	240 ft Width
Garage Type	Attached
Garage Area	1,944 sqft
Parking Spaces	7 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	2,082 sqft
Boat Access	Boat Access
Total Buildings	3 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1128 MAIN ST
City	WINDERMERE
State	FL
Zip	34786-8731
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFR
Legal Description	PLAT OF WINDERMERE G/36 LOTS 25 THROUGH 29
Legal Range	28E
Legal Township	23S
Legal Section	17
Legal Subdivision	WINDERMERE
Legal Tract	9336
Legal Lot Number	25-29
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2034
Census Tract	14809

Owner

Source: Orange County assessment roll, as of April 30, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individuals on Record
Mailing Address	1128 MAIN ST, WINDERMERE, FL 34786-8731
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2026	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
May 3, 2019	Warranty Deed, Transfer TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING
Jan 31, 2017	Deed of Trust, Mortgage FBC MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2010 · Amount on Record
Deed Sale	Oct 28, 2010 · Amount on Record
Deed Document Number	2010628404
Deed Book / Page	10126 / 4407
Prior Transfer Date	Sep 11, 2003
Prior Transfer Doc	0000536799
Record Updated	Jun 8, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Feb 5, 2026
Property Address	1128 MAIN ST, WINDERMERE, FL 34786-8731
Document Number	0000069330
Instrument Date	Feb 3, 2026
Instrument	20260069330
Transaction Type	Transfer
Record Updated	Feb 20, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$12,950.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4939 CYRILLA LN, ORLANDO, FL 32829-8235

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1128 MAIN ST STE 200, 200, CINCINNATI, OH 45202-7277

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	May 3, 2019
Property Address	1128 MAIN ST, WINDERMERE, FL 34786-8731
Document Number	0000274825
Instrument Date	Apr 19, 2019
Instrument	274825
Transaction Type	Transfer
Record Updated	May 21, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transaction

Amount	Amount Recorded
Tax	$1,750.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1128 MAIN ST, WINDERMERE, FL 34786-8731
Document Number	0000086988
Instrument Date	Jan 31, 2017
Transaction Type	Mortgage
Record Updated	Apr 14, 2017
Title Company	CLEAR TITLE/FL LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1128 MAIN ST WINDERMERE FL 347868731, WINDERMERE, FL 34786-8731

Mortgage

Document Number	0000086988
Date	Feb 16, 2017
Instrument	86988

Lender

Name	FBC MTG
Type	Mortgage Company
Address	189 S ORANGE AVE # 970, ORLANDO, FL 32801-3264

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Feb 15, 2032

Tax Assessment & Valuation

Source: Orange County assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Orange County
Municipality	Windermere Town
Unified School District	Orange County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$3,804,301 (+2.7%)	$4,702,610 (-1.07%) Land $1,375,000 Building $3,327,610
2025	$60,807.00 (+2.84%) Homeowner's exemption	$3,704,285 (+5.99%)	$4,753,410 (+9.04%) Land $1,375,000 Building $3,378,410
2024	$59,126.00 (+3.28%)
2023	$57,250.00 (+2.8%) Homeowner's exemption	$3,495,037 (+3%)	$4,359,389 (+14.89%) Land $1,375,000 Building $2,984,389
2022	$55,691.00 Homeowner's exemption	$3,393,240	$3,794,334 Land $1,275,000 Building $2,519,334

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 59 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	59 in force
Nearby Flood Claims	11 (1989–2024)
Claims Outside the SFHA	4 of 11
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Ian, Sep 2022 · 2 claims Hurricane Frances, Sep 2004 · 2 claims

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 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 35

May also be available: Hotwire Communications, T-Mobile, Verizon.

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