11425 Waterstone Loop Dr, Windermere, FL 34786 Property Records

Orange County property record for 11425 Waterstone Loop Dr, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	5 bd · 5.5 ba · 4,262 sqft · built 2017
Lot Size	0.876 acres (38,148 sqft)
Owner	2 Company Names on Record
Last Sale	$1,725,000 (Nov 2020)
Tax Bill	$26,733 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Nov 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`24-23-27-9009-00-010`

Property Details

APN / Parcel Number

Primary APN	`24-23-27-9009-00-010`
Alternative APNs	`272324900900010` `146635` `147807` `149925`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,262 sqft Living Area
Gross Area	6,330 sqft
1st Floor Area	3,149 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Concrete Block/Stucco
Roof Type	Gable/Hip
Roof Material	Tile
Lot Area	38,148 sqft (0.876 acres)
Garage Type	Attached
Garage Area	775 sqft
Porch	Finished/Open Porch
Porch Area	814 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	11425 WATERSTONE LOOP DR
City	WINDERMERE
State	FL
Zip	34786-5429
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	WATERSTONE 74/131 LOT 1
Legal Range	27E
Legal Township	23S
Legal Section	24
Legal Subdivision	WATERSTONE
Legal Tract	9009
Legal Lot Number	1
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2001
Census Tract	17115

Owner

Source: Orange County records, as of October 12, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	11425 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5429
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2026	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Nov 17, 2020	Warranty Deed, Transfer WELLS FARGO BK
Apr 9, 2019	Warranty Deed, Transfer SPROUT MTG
Sep 24, 2018	Warranty Deed, Transfer BRIGHT CAPITAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 2020 · Amount on Record
Deed Sale	Nov 17, 2020 · Amount on Record
Prior Sale	Sep 24, 2018 · Amount on Record
Deed Document Number	2020600291
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	11425 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5429
Transaction Type	Mortgage
Record Updated	Apr 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11425 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5429

Mortgage

Document Number	0000183692
Date	Mar 31, 2026
Instrument	20260183692

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 2, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Nov 17, 2020
Property Address	11425 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5429
Document Number	0000600291
Instrument Date	Nov 16, 2020
Instrument	600291
Transaction Type	Transfer
Record Updated	Dec 2, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$12,075.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	PO BOX 162663 ALTAMONTE SPRINGS FL 327162663, ALTAMONTE SPRINGS, FL 32716-2663

Mortgage

Document Number	600292
Date	Nov 17, 2020
Instrument	600292

Lender

Name	WELLS FARGO BK
Type	Bank
Address	101 N PHILLIPS AVE, SIOUX FALLS, SD 57104-6738

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 16, 2050

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Apr 9, 2019
Property Address	11425 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5429
Document Number	0000214489
Instrument Date	Mar 25, 2019
Instrument	214489
Transaction Type	Transfer
Record Updated	Apr 29, 2019
Title Company	HOMELAND TITLE SOURCE LLC

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11425 WATERSTONE LOOP DR WINDERMERE FL 347865429, WINDERMERE, FL 34786-5429

Mortgage

Document Number	214490
Date	Apr 9, 2019
Instrument	214490

Lender

Name	SPROUT MTG
Address	4600 FULLER DR # 300, IRVING, TX 75038-6554

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 8, 2049

Interest

Rate Type	Adjustable Rate
Rate	6.98%

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Sep 24, 2018
Property Address	11425 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5429
Document Number	0000562367
Instrument Date	Sep 14, 2018
Instrument	562367
Transaction Type	Transfer
Record Updated	Oct 8, 2018
Title Company	HOMELAND TITLE SOURCE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,935.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	11425 WATERSTONE LOOP DR WINDERMERE FL 347865429, WINDERMERE, FL 34786-5429

Mortgage

Document Number	562368
Date	Sep 24, 2018
Instrument	562368

Lender

Name	BRIGHT CAPITAL LLC
Type	Bank
Address	1001 BRICKELL BAY DR # 3200, MIAMI, FL 33131-4905

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 23, 2048

Interest

Rate	18%

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		$1,691,819 (+2.7%)	$1,896,010 (-1.06%) Land $575,000 Building $1,321,010
2025	$26,733.00 (+3.2%) Homeowner's exemption	$1,647,341 (+5.99%)	$1,916,310 (+8.67%) Land $575,000 Building $1,341,310
2024	$25,903.00 (+7.21%)
2023	$24,160.00 (+3.45%) Homeowner's exemption	$1,554,285 (+3.53%)	$1,763,365 (+12%) Land $575,000 Building $1,188,365
2022	$23,354.00 Homeowner's exemption	$1,501,248	$1,574,428 Land $575,000 Building $999,428

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 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

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 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	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 119 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, CenturyLink.

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