1146 Estancia Woods Loop, Windermere, FL 34786 Property Records

Orange County property record for 1146 Estancia Woods Loop, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,103 sqft · built 2018
Lot Size	0.348 acres (15,169 sqft)
Owner	2 Individual Names on File
Last Sale	$1,450,000 (May 2023)
Tax Bill	$20,866 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Dec 2022 Sale & Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-23-28-2480-00-440`

Property Details

APN / Parcel Number

Primary APN	`06-23-28-2480-00-440`
Alternative APNs	`282306248000440` `275194` `280037` `284197`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,103 sqft Living Area
Gross Area	6,384 sqft
1st Floor Area	2,566 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Concrete Block/Stucco
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	15,169 sqft (0.348 acres)
Garage Type	Attached
Garage Area	666 sqft
Porch	Slab
Porch Area	495 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1146 ESTANCIA WOODS LOOP
City	WINDERMERE
State	FL
Zip	34786-7933
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	ESTANCIA AT WINDERMERE 89/129 LOT 44
Legal Range	28E
Legal Township	23S
Legal Section	06
Legal Subdivision	ESTANCIA AT WINDERMERE
Legal Tract	2480
Legal Lot Number	44
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2016
Census Tract	17120

Owner

1146 Estancia Woods Loop is owned and occupied by two individuals who bought it in May 2023.

Source: Orange County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1146 ESTANCIA WOODS LOOP, WINDERMERE, FL 34786-7933
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
May 16, 2023	Warranty Deed, Transfer · Conventional Mortgage FIRST HORIZON BANK
Dec 9, 2022	Warranty Deed, Construction Loan · Construction Mortgage KIAVI FUNDING INC
Feb 20, 2019	Grant Deed, Transfer INSPIRED TITLE SERVICES LLC, INSPIRED TITLE SVCS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2023 · Amount on File
Deed Sale	May 16, 2023 · Amount on File
Prior Sale	Dec 9, 2022 · Amount on File
Deed Document Number	2023276687
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	May 16, 2023
Property Address	1146 ESTANCIA WOODS LOOP, WINDERMERE, FL 34786-7933
Document Number	0000276687
Map Reference	MB 89 PG 129-134
Instrument Date	May 1, 2023
Instrument	20230276687
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	NOT AVAILABLE, VIDCLOSE INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10,150.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12386 FLOILDA 535, ORLANDO, FL 32836

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1146 ESTANCIA WOODS LOOP, WINDERMERE, FL 34786-7933

Mortgage

Document Number	0000276688
Date	May 16, 2023
Instrument	20230276688

Lender

Name	FIRST HORIZON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Jun 1, 2030
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.5%
Index	Other
Max Rate	10.5%

December 2022: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Dec 9, 2022
Property Address	1146 ESTANCIA WOODS LOOP, WINDERMERE, FL 34786-7933
Document Number	0000741448
Map Reference	MB 89 PG 129-134
Instrument Date	Dec 8, 2022
Instrument	20220741448
Transaction Type	Construction Loan
Record Updated	Dec 26, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2524 NORFOLK RD, ORLANDO, FL 32803-1343

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8539 PIPPEN DR, ORLANDO, FL 32836-5842

Mortgage

Document Number	0000741449
Date	Dec 9, 2022
Instrument	20220741449

Lender

Name	KIAVI FUNDING INC
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount on Record

February 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE FL
Recording Date	Feb 20, 2019
Property Address	1146 ESTANCIA WOODS LOOP, WINDERMERE, FL 34786-7933
Document Number	0000104485
Instrument Date	Feb 19, 2019
Instrument	104485
Transaction Type	Transfer
Record Updated	Mar 6, 2019
Title Company	INSPIRED TITLE SERVICES LLC, INSPIRED TITLE SVCS LLC

Transaction

Amount	Amount on Record
Tax	$5,761.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1146 ESTANCIA WOODS LOOP WINTER GARDEN FL 34787, WINTER GARDEN, FL 34787

Tax Assessment & Valuation

The 2025 property tax bill for 1146 Estancia Woods Loop was $20,866, up 3.8% from the year before.

Source: Orange County assessment roll, as of April 30, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,283,810 (+0.71%) Land $140,000 Building $1,143,810	$1,283,810 (-0.75%) Land $140,000 Building $1,143,810
2025	$20,866.00 (+3.8%) Homeowner's exemption	$1,274,796	$1,293,570 Land $140,000 Building $1,153,570
2024	$20,103.00 (+20.46%)
2023	$16,688.00 (+13.7%) Homeowner's exemption	$981,653 (+12.9%) Land $140,000 Building $841,653	$981,653 (+12.9%) Land $140,000 Building $841,653
2022	$14,677.00	$869,457 Land $140,000 Building $729,457	$869,457 Land $140,000 Building $729,457

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

Flood

FEMA maps place 1146 Estancia Woods Loop in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 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

Wildfire risk around 1146 Estancia Woods Loop is low, with a 0.02% annual chance of 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 108 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, CenturyLink, Summit Broadband, Xfinity.

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