Orange County property record for 11412 Waterstone Loop Dr, Windermere, FL 34786
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 5 ba · 5,555 sqft · built 2015 |
| Lot Size | 0.492 acres (21,446 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $2,899,000 (May 2024) |
| Tax Bill | $35,290 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Dec 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-23-27-9009-00-410 |
| Primary APN | 24-23-27-9009-00-410 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5 Baths |
| Stories | 2 Stories |
| Building Area | 5,555 sqft Living Area |
| Gross Area | 7,954 sqft |
| 1st Floor Area | 4,409 sqft |
| Flooring | Wood |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Concrete |
| Lot Area | 21,446 sqft (0.492 acres) |
| Garage Type | Attached |
| Garage Area | 900 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Florida Room |
|---|---|
| Porch Area | 1,072 sqft |
| Patio Area | 225 sqft |
| Water Feature | Water Feature |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 11412 WATERSTONE LOOP DR |
|---|---|
| City | WINDERMERE |
| State | FL |
| Zip | 34786-5426 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | P-D |
| Legal Description | WATERSTONE 74/131 LOT 41 |
| Legal Range | 27E |
| Legal Township | 23S |
| Legal Section | 24 |
| Legal Subdivision | WATERSTONE |
| Legal Tract | 9009 |
| Legal Lot Number | 41 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 17115 |
Source: Orange County records · APN 24-23-27-9009-00-410
Assessment roll updated April 30, 2026 · Last verified May 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 13 BRANDYWINE DR, WHITE PLAINS, NY 10605-5433 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Dec 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage COGENT BANK |
| Dec 07, 2018 | Warranty Deed, Transfer · ARM COGENT BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 07, 2024 · Amount on Record |
| Deed Sale | May 07, 2024 · Amount on Record |
| Prior Sale | Dec 07, 2018 · Amount on Record |
| Deed Document Number | 2024264807 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 11412 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5426 |
| Transaction Type | Mortgage |
| Record Updated | Aug 01, 2022 |
| Name | Verified Name |
|---|---|
| Address | 11412 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5426 |
| Document Number | 0000775016 |
|---|---|
| Date | Dec 20, 2021 |
| Instrument | 20210775016 |
| Name | COGENT BANK |
|---|---|
| Type | Bank |
| Address | ORANGE CITY, FL 32763 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.99% |
| Type Change Date | Jan 01, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 8.99% |
| Index | 1-Year CMT |
| Max Rate | 8.99% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Dec 07, 2018 |
| Property Address | 11412 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5426 |
| Document Number | 0000709701 |
| Map Reference | MB 74 PG 131-135 |
| Instrument Date | Dec 06, 2018 |
| Instrument | 20180709701 |
| Transaction Type | Transfer |
| Record Updated | Aug 01, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $9,800.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1160 ALEXANDER CT, 1160, CARY, IL 60013-1892 |
| Name | Verified Name |
|---|---|
| Address | 11412 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5426 |
| Document Number | 0000709702 |
|---|---|
| Date | Dec 07, 2018 |
| Instrument | 20180709702 |
| Name | COGENT BANK |
|---|
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.75% |
| Type Change Date | Jan 01, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 9.75% |
| Index | 1-Year CMT |
| Max Rate | 9.75% |
Source: Orange County records · Assessment roll updated April 30, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Unified School District | Orange County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,110,740 (-0.85%) Land $280,000 Building $1,830,740 | $2,110,740 (-0.85%) Land $280,000 Building $1,830,740 | |
| 2025 | $35,290.00 (+10.66%) | $2,128,860 (+11.17%) Land $280,000 Building $1,848,860 | $2,128,860 (+11.17%) Land $280,000 Building $1,848,860 |
| 2024 | $31,890.00 (+12.74%) | ||
| 2023 | $28,287.00 (+15.61%) | $1,914,907 (+24.58%) Land $280,000 Building $1,634,907 | $1,914,907 (+24.58%) Land $280,000 Building $1,634,907 |
| 2022 | $24,467.00 | $1,537,117 Land $280,000 Building $1,257,117 | $1,537,117 Land $280,000 Building $1,257,117 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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 |
| Wildfire Risk | Low lower than 98% of the US · lower than 97.6% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: AT&T, Lumen Technologies.
Based on FCC filings for 119 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | OCUD/SOUTHERN WATER SYS (5 WPS) serves 80,738 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures