11448 Waterstone Loop Dr, Windermere, FL 34786 Property Records

Orange County property record for 11448 Waterstone Loop Dr, Windermere, FL 34786 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,020 sqft · built 2011
Lot Size	0.485 acres (21,120 sqft)
Owner	2 Individual Names on File
Last Sale	$1,350,000 (Apr 2021)
Tax Bill	$21,080 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-23-27-9009-00-380`

Property Details

APN / Parcel Number

Primary APN	`24-23-27-9009-00-380`
Alternative APNs	`272324900900380` `146682` `147851` `149971`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	4,020 sqft Living Area
Gross Area	6,532 sqft
1st Floor Area	3,004 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Tile
Lot Area	21,120 sqft (0.485 acres)
Garage Type	Attached
Garage Area	547 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	832 sqft
Patio Area	204 sqft
Water Feature	Water Feature
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	11448 WATERSTONE LOOP DR
City	WINDERMERE
State	FL
Zip	34786-5426
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WATERSTONE 74/131 LOT 38
Legal Range	27E
Legal Township	23S
Legal Section	24
Legal Subdivision	WATERSTONE
Legal Tract	9009
Legal Lot Number	38
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2003
Census Tract	17115

Owner

Source: Orange County records · APN 24-23-27-9009-00-380

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	11448 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5426
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 30, 2021 · Amount on Record
Deed Sale	Apr 30, 2021 · Amount on Record
Prior Sale	Jan 31, 2011 · Amount on Record
Deed Document Number	2021264233
Record Updated	Jun 08, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Apr 30, 2021
Property Address	11448 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5426
Document Number	0000264233
Map Reference	MB 74 PG 131
Instrument Date	Apr 28, 2021
Instrument	20210264233
Transaction Type	Transfer
Record Updated	Aug 01, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$9,450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11448 WATERSTONE LOOP DR, 11448, WINDERMERE, FL 34786-5426

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11448 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5426

Mortgage

Document Number	0000264234
Date	Apr 30, 2021
Instrument	20210264234

Lender

Name	SOUTH STATE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	May 01, 2031
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.12%
Index	1-Year CMT
Max Rate	8.12%

Tax Assessment & Valuation

Source: Orange County records · Assessment roll updated April 30, 2026 · Last verified May 2026

Property Jurisdictions

Type	Name
State	Florida
County	Orange County
Unified School District	Orange County School District (PK - 12)

Tax Bill & Assessment History

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		$1,337,585 (+2.7%)	$1,593,580 (-1.31%) Land $280,000 Building $1,313,580
2025	$21,080.00 (+3.31%) Homeowner's exemption	$1,302,420 (+6.28%)	$1,614,690 (+10.68%) Land $280,000 Building $1,334,690
2024	$20,404.00 (+7.52%)
2023	$18,977.00 (+2.96%) Homeowner's exemption	$1,225,450 (+3%)	$1,458,833 (+22.14%) Land $280,000 Building $1,178,833
2022	$18,432.00 Homeowner's exemption	$1,189,757	$1,194,409 Land $280,000 Building $914,409

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Orange County (12095C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120950171152, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 61 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	61 in force 53 of 61 on primary residences
Nearby Flood Claims	3 (2022–2024)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Oct 2024, other causes, Hurricane Milton

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
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.