11454 Waterstone Loop Dr, Windermere, FL 34786 Property Records

Orange County property record for 11454 Waterstone Loop Dr, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 4,527 sqft · built 2014
Lot Size	0.475 acres (20,700 sqft)
Owner	Individual Name on Record
Tax Bill	$17,934 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jun 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`24-23-27-9009-00-370`

Property Details

APN / Parcel Number

Primary APN	`24-23-27-9009-00-370`
Alternative APNs	`272324900900370` `146680` `147850` `149969`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,527 sqft Living Area
Gross Area	6,918 sqft
1st Floor Area	3,604 sqft
Utility Area	54 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	20,700 sqft (0.475 acres)
Garage Type	Attached
Garage Area	898 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	1,177 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	11454 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 37
Legal Range	27E
Legal Township	23S
Legal Section	24
Legal Subdivision	WATERSTONE
Legal Tract	9009
Legal Lot Number	37
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2003
Census Tract	17115

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	11454 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5426
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage SEACOAST NATIONAL BANK
Jun 13, 2019	Quit Claim Deed, Transfer TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 11, 2013
Deed Sale	Dec 11, 2013
Prior Sale	Dec 10, 2013 · Amount on Record
Deed Document Number	2013649401
Deed Book / Page	10675 / 9064
Last Transfer Date	May 30, 2019
Transfer Doc	0000363097
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	11454 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5426
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11454 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5426

Mortgage

Document Number	0000546855
Date	Sep 8, 2021
Instrument	20210546855

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank
Address	STUART, FL 34994

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE FL
Recording Date	Jun 13, 2019
Property Address	11454 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5426
Document Number	0000363097
Instrument Date	May 30, 2019
Instrument	363097
Transaction Type	Transfer
Record Updated	Jun 28, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11454 WATERSTONE LOOP DR WINDERMERE FL 347865426, WINDERMERE, FL 34786-5426

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		$1,140,450 (+2.7%)	$1,646,890 (-1.27%) Land $280,000 Building $1,366,890
2025	$17,934.00 (+3.4%) Homeowner's exemption	$1,110,467 (+5.99%)	$1,668,020 (+10.69%) Land $280,000 Building $1,388,020
2024	$17,344.00 (+7.22%)
2023	$16,176.00 (+3%) Homeowner's exemption	$1,047,739 (+3%)	$1,506,887 (+23.35%) Land $280,000 Building $1,226,887
2022	$15,705.00 Homeowner's exemption	$1,017,222	$1,221,599 Land $280,000 Building $941,599

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 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

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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