11407 Willow Gardens Dr, Windermere, FL 34786 Property Records

Orange County property record for 11407 Willow Gardens Dr, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,501 sqft · built 1992
Lot Size	0.518 acres (22,555 sqft)
Owner	2 Individual Names on File
Last Sale	$1,200,000 (Jul 2026)
Tax Bill	$12,617 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Dec 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-23-28-9346-00-510`

Property Details

APN / Parcel Number

Primary APN	`06-23-28-9346-00-510`
Alternative APNs	`282306934600510` `275590` `280434` `284593`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,501 sqft Living Area
Gross Area	4,587 sqft
1st Floor Area	3,501 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2015
Exterior Material	Concrete Block/Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	22,555 sqft (0.518 acres)
Garage Type	Attached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	318 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	11407 WILLOW GARDENS DR
City	WINDERMERE
State	FL
Zip	34786-6021
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFR
Legal Description	WILLOWS AT LAKE RHEA PHASE 2 28/42 LOT 51
Legal Range	28E
Legal Township	23S
Legal Section	06
Legal Subdivision	WILLOWS AT LAKE RHEA PH 2
Legal Phase	2
Legal Tract	9346
Legal Lot Number	51
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2017
Census Tract	17120

Owner

11407 Willow Gardens Dr is owned and occupied by two individuals who bought it in July 2026.

Source: Orange County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	11407 WILLOW GARDENS DR, WINDERMERE, FL 34786-6021
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Date	Document
Jul 23, 2026	Warranty Deed, Transfer · Conventional Mortgage I3 LENDING
Dec 28, 2020	Warranty Deed, Transfer QUICKEN LNS
Jul 11, 2019	Warranty Deed, Transfer · Conventional Mortgage INNOVATIVE MORTGAGE SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2026 · Amount on File
Deed Sale	Jul 23, 2026 · Amount on File
Prior Sale	Dec 28, 2020 · Amount on File
Deed Document Number	2026410878
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jul 23, 2026
Property Address	11407 WILLOW GARDENS DR, WINDERMERE, FL 34786-6021
Document Number	0000410878
Instrument Date	Jul 20, 2026
Instrument	2026410878
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$848,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	11407 WILLOW GARDENS DR, WINDERMERE, FL 34786-6021

Mortgage

Document Number	0000410879,
Date	Jul 23, 2026
Instrument	2026410879

Lender

Name	I3 LENDING

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Dec 28, 2020
Property Address	11407 WILLOW GARDENS DR, WINDERMERE, FL 34786-6021
Document Number	0000675541
Instrument Date	Dec 18, 2020
Instrument	675541
Transaction Type	Transfer
Record Updated	Jan 14, 2021
Title Company	TICON TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,740.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11407 WILLOW GARDENS DR WINDERMERE FL 347866021, WINDERMERE, FL 34786-6021

Mortgage

Document Number	675542
Date	Dec 28, 2020
Instrument	675542

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	1050 WOODWARD AVE, DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 27, 2050

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jul 11, 2019
Property Address	11407 WILLOW GARDENS DR, WINDERMERE, FL 34786-6021
Document Number	0000425184
Map Reference	MB 28 PG 42-44
Instrument Date	Jul 2, 2019
Instrument	20190425184
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	NETWORK CLOSING SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,480.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	27311 WOODED CANYON DR, 27311, KATY, TX 77494-1655

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11407 WILLOW GARDENS DR, WINDERMERE, FL 34786-6021

Mortgage

Document Number	0000425185
Date	Jul 11, 2019
Instrument	20190425185

Lender

Name	INNOVATIVE MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 11407 Willow Gardens Dr was $12,617, up 3.1% from the year before.

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		$784,118 (+2.7%)	$1,045,920 (-1.27%) Land $200,000 Building $845,920
2025	$12,617.00 (+3.1%) Homeowner's exemption	$763,503	$1,059,380 Land $200,000 Building $859,380
2024	$12,238.00 (+3.28%)
2023	$11,849.00 (+2.91%) Homeowner's exemption	$720,374 (+3%)	$959,362 (+28.1%) Land $200,000 Building $759,362
2022	$11,514.00 Homeowner's exemption	$699,392	$748,903 Land $160,000 Building $588,903

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

Flood

FEMA maps place 11407 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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 11407 Willow Gardens Dr is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood	0.04% 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 143 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 / 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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