11428 Rapallo Ln, Windermere, FL 34786 Property Records

Orange County property record for 11428 Rapallo Ln, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 2,822 sqft · built 2003
Lot Size	0.399 acres (17,375 sqft)
Owner	2 Individual Names on File
Last Sale	$465,000 (May 2018)
Tax Bill	$10,362 (2025)
Deeds & Mortgages	Feb 2020 Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31-22-28-0243-00-290`

Property Details

APN / Parcel Number

Primary APN	`31-22-28-0243-00-290`
Alternative APNs	`282231024300290` `258635` `263481` `268026`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,822 sqft Living Area
Gross Area	4,310 sqft
1st Floor Area	1,609 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	17,375 sqft (0.399 acres)
Garage Type	Attached
Garage Area	431 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	351 sqft
Patio Area	492 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	11428 RAPALLO LN
City	WINDERMERE
State	FL
Zip	34786-6029
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	BELMERE VILLAGE G2 48/65 LOT 29
Legal Range	28E
Legal Township	22S
Legal Section	31
Legal Subdivision	BELMERE VILLAGE G2
Legal Tract	243
Legal Lot Number	29
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2002
Census Tract	17120

Owner

11428 Rapallo Ln is owned and occupied by two individuals who bought it in May 2018.

Source: Orange County records, as of May 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	11428 RAPALLO LN, WINDERMERE, FL 34786-6029
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOMEOWNERS FIN'L GRP USA
May 24, 2018	Warranty Deed, Transfer · Conventional Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 24, 2018 · Amount on File
Deed Sale	May 24, 2018 · Amount on File
Prior Sale	Jul 25, 2005 · Amount on File
Deed Document Number	2018309605
Record Updated	Jun 8, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	11428 RAPALLO LN, WINDERMERE, FL 34786-6029
Document Number	0000137080
Instrument Date	Feb 24, 2020
Transaction Type	Mortgage
Record Updated	Apr 14, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11428 RAPALLO LN WINDERMERE FL 347866029, WINDERMERE, FL 34786-6029

Mortgage

Document Number	0000137080
Date	Mar 3, 2020
Instrument	137080

Lender

Name	HOMEOWNERS FIN'L GRP USA
Type	Funding / Finance Company
Address	SCOTTSDALE, AZ 85254

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 2, 2050

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	May 24, 2018
Property Address	11428 RAPALLO LN, WINDERMERE, FL 34786-6029
Document Number	0000309605
Map Reference	MB 48 PG 65-69
Instrument Date	May 21, 2018
Instrument	20180309605
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	SOUTHERN TITLE HOLDING COMPA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,255.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	133 MAIN ST, 133, WINDERMERE, FL 34786-8643

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11428 RAPALLO LN, WINDERMERE, FL 34786-6029

Mortgage

Document Number	0000309606
Date	May 24, 2018
Instrument	20180309606

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 11428 Rapallo Ln was $10,362, up 2.9% from the year before.

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		$477,977 (+2.7%)	$683,760 (-1.46%) Land $110,000 Building $573,760
2025	$10,362.00 (+2.86%) Homeowner's exemption	$465,411	$693,880 Land $110,000 Building $583,880
2024	$10,074.00 (+55.82%)
2023	$6,465.00 (+3.26%) Homeowner's exemption	$439,120 (+3%)	$627,822 (+17.5%) Land $110,000 Building $517,822
2022	$6,261.00 Homeowner's exemption	$426,330	$534,331 Land $95,000 Building $439,331

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

Flood

FEMA maps place 11428 Rapallo Ln 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

The area around 11428 Rapallo Ln has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 468 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
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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