11431 Waterstone Loop Dr, Windermere, FL 34786 Property Records

Orange County property record for 11431 Waterstone Loop Dr, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	5 bd · 8 ba · 10,890 sqft · built 2016
Lot Size	3.47 acres (151,268 sqft)
Owner	2 Company Names on Record
Last Sale	$12,100,000 (Jun 2022)
Tax Bill	$188,245 (2025)
Deeds & Mortgages	Jun 2022 Sale Jan 2022 Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`24-23-27-9009-00-030`

Property Details

APN / Parcel Number

Primary APN	`24-23-27-9009-00-030`
Alternative APNs	`272324900900030` `146637` `147809` `149928`

Interior

Bedrooms	5 Beds
Full Baths	8 Baths
Stories	2 Stories
Building Area	10,890 sqft Living Area
Gross Area	19,735 sqft
1st Floor Area	7,893 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2020
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	151,268 sqft (3.47 acres)
Garage Type	Attached
Garage Area	1,795 sqft
Parking Spaces	8 Parking Spaces
Porch	Florida Room
Porch Area	3,374 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	11431 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 3
Legal Range	27E
Legal Township	23S
Legal Section	24
Legal Subdivision	WATERSTONE
Legal Tract	9009
Legal Lot Number	3
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 April 30, 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	8815 CONROY WINDERMERE RD, ORLANDO, FL 32835-3129
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2022	Warranty Deed, Transfer ATTORNEY
Jan 4, 2022	Deed of Trust, Mortgage · SBA Mortgage CRF SMALL BUSINESS LOAN COMPANY LLC
Apr 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BK/FL
May 22, 2019	Loan Modification, Mortgage · Line of Credit CITIZENS BK/FL
Feb 23, 2018	Loan Modification, Mortgage · Line of Credit CITIZENS BK/FL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2022 · Amount on Record
Deed Sale	Jun 3, 2022 · Amount on Record
Prior Sale	Jun 3, 2014 · Amount on Record
Deed Document Number	2022347343
Record Updated	Jun 8, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jun 3, 2022
Property Address	11431 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5429
Document Number	0000347343
Map Reference	MB 74 PG 131-135
Instrument Date	May 31, 2022
Instrument	20220347343
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$84,700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11431 WATERSTONE LOOP DR, 11431, WINDERMERE, FL 34786-5429

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	8815 CONROY WINDERMERE RD # 375, 375, ORLANDO, FL 32835-3129

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	11431 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5429
Transaction Type	Mortgage
Record Updated	Jan 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11431 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5429

Mortgage

Document Number	0000007200
Date	Jan 4, 2022
Instrument	20220007200

Lender

Name	CRF SMALL BUSINESS LOAN COMPANY LLC
Type	Non-Lending Institution
Address	MINNEAPOLIS, MN 55402

Agreement

Type	SBA Mortgage
Amount	Amount Recorded

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	11431 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5429
Document Number	0000249848
Instrument Date	Apr 17, 2020
Transaction Type	Mortgage
Record Updated	May 12, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11431 WATERSTONE LOOP DR WINDERMERE FL 347865429, WINDERMERE, FL 34786-5429

Mortgage

Document Number	0000249848
Date	Apr 23, 2020
Instrument	249848

Lender

Name	CITIZENS BK/FL
Type	Bank
Address	OVIEDO, FL 32765-7203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Apr 22, 2023

May 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ORANGE FL
Property Address	11431 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5429
Document Number	0000570317
Instrument Date	May 22, 2019
Transaction Type	Mortgage
Record Updated	Sep 30, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11652 WATERSTONE LOOP DR WINDERMERE FL 347865432, WINDERMERE, FL 34786-5432

Mortgage

Document Number	0000570317
Date	Sep 14, 2019
Instrument	570317

Lender

Name	CITIZENS BK/FL
Type	Bank
Address	OVIEDO, FL 32762-0729

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	36 Months
Due	Sep 13, 2022

Interest

Rate Type	Adjustable Rate

February 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ORANGE FL
Property Address	11431 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5429
Document Number	0000117618
Instrument Date	Feb 23, 2018
Transaction Type	Mortgage
Record Updated	Mar 16, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11652 WATERSTONE LOOP DR WINDERMERE FL 347865432, WINDERMERE, FL 34786-5432

Mortgage

Document Number	0000117618
Date	Feb 28, 2018
Instrument	117618

Lender

Name	CITIZENS BK/FL
Type	Bank
Address	OVIEDO, FL 32762-0729

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Feb 27, 2023

Interest

Rate Type	Adjustable Rate

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		$11,316,390 (-1.27%) Land $1,375,000 Building $9,941,390	$11,316,390 (-1.27%) Land $1,375,000 Building $9,941,390
2025	$188,245.00 (+4.38%)	$11,461,430 (+11.75%) Land $1,375,000 Building $10,086,430	$11,461,430 (+11.75%) Land $1,375,000 Building $10,086,430
2024	$180,344.00 (+11.36%)
2023	$161,947.00 (+213.55%)	$10,256,569 (+211.57%) Land $1,375,000 Building $8,881,569	$10,256,569 (+197.49%) Land $1,375,000 Building $8,881,569
2022	$51,650.00 Homeowner's exemption	$3,291,856	$3,447,747 Land $1,275,000 Building $2,172,747

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	100.7 ft
Flood Insurance Requirement	Required federally backed loans
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 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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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