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11348 Willow Gardens Dr, Windermere, FL 34786 Property Records

Orange County property record for 11348 Willow Gardens Dr, Windermere, FL 34786

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,717 sqft · built 1989
Lot Size0.915 acres (39,857 sqft)
Owner2 Individual Names on File
Last Sale$247,500 (Nov 1996)
Tax Bill$6,258 (2025)
Deeds & MortgagesOct 2026 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN06-23-28-9345-00-100

Property Details

APN / Parcel Number

Primary APN06-23-28-9345-00-100
Alternative APNs
  • 282306934500100
  • 275482
  • 280323
  • 284483

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,717 sqft Living Area
Gross Area3,932 sqft
1st Floor Area2,717 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1989
Effective Year BuiltEffective 1989
Exterior MaterialStone
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area39,857 sqft (0.915 acres)
Garage TypeAttached
Garage Area773 sqft
Parking Spaces3 Parking Spaces
PorchSlab
Porch Area442 sqft
Total Buildings2 Buildings

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address11348 WILLOW GARDENS DR
CityWINDERMERE
StateFL
Zip34786-6000
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSFR
Legal DescriptionWILLOWS AT LAKE RHEA PHASE 1 23/72 LOT 10
Legal Range28E
Legal Township23S
Legal Section06
Legal SubdivisionWILLOWS AT LAKE RHEA PH 1
Legal Phase1
Legal Tract9345
Legal Lot Number10
JurisdictionORANGE FL
Township / Civil DivisionSOUTHWEST ORANGE
Census Block Group2
Census Block2016
Census Tract17120

Owner

11348 Willow Gardens Dr is owned and occupied by two individuals who bought it in November 1996.

Source: Orange County records, as of September 1, 2026

Owner of Record2 Individual Names on File
Mailing Address11348 WILLOW GARDENS DR, WINDERMERE, FL 34786-6000
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 15, 1996 · Amount on File
Deed SaleNov 15, 1996 · Amount on File
Deed Book / Page5156 / 1263
Record UpdatedOct 29, 2026

October 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionORANGE FL
Recording DateOct 14, 2026
Property Address11348 WILLOW GARDENS DR, WINDERMERE, FL 34786-6000
Document Number0000573399
Instrument DateOct 13, 2026
Instrument2026573399
Transaction TypeTransfer
Record UpdatedOct 23, 2026
Title CompanyTITLE AMERICA, TITLE WAREHOUSES OF AMERICA

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$681,901.50
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address11348 WILLOW GARDENS DR, WINDERMERE, FL 34786-6000

Mortgage

Document Number0000573400,
DateOct 14, 2026
Instrument2026573400
Lender
NamePROSPERITY HOME MORTGAGE
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueNov 1, 2056
Interest
Rate TypeAdjustable Rate
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

Tax Assessment & Valuation

The 2025 property tax bill for 11348 Willow Gardens Dr was $6,258, up 3.4% from the year before.

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

Property Jurisdictions

TypeName
StateFlorida
CountyOrange County
MunicipalityWindermere Town
Unified School DistrictOrange County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$385,518 (+2.7%)$716,730 (-1.36%) Land $200,000 Building $516,730
2025$6,258.00 (+3.39%) Homeowner's exemption$375,383$726,590 Land $200,000 Building $526,590
2024$6,053.00 (+3.29%)
2023$5,860.00 (+3.08%) Homeowner's exemption$354,179 (+3%)$667,051 (+26.8%) Land $200,000 Building $467,051
2022$5,685.00 Homeowner's exemption$343,863$526,081 Land $160,000 Building $366,081

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 11348 Willow Gardens Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 76 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies76 in force
Nearby Flood Claims1 (2024)
Most Recent ClaimOct 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

Wildfire risk around 11348 Willow Gardens Dr is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 94% of the US · lower than 94% of Florida
Wildfire Likelihood0.03% annual chance
ExposureNone
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 SystemOCUD/SOUTHERN WATER SYS (5 WPS)
serves 80,738 people · EPA ID FL3484119
Water SourceGroundwater
Last State InspectionMay 2024
Lead2 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 143 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

May also be available: CenturyLink, Summit Broadband, Xfinity.

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