11514 Waterstone Loop Dr, Windermere, FL 34786 Property Records

Orange County property record for 11514 Waterstone Loop Dr, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 6,013 sqft · built 2013
Lot Size	0.454 acres (19,789 sqft)
Owner	Individual Name on File
Last Sale	$1,410,000 (Aug 2020)
Tax Bill	$22,935 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-23-27-9009-00-340`

Property Details

APN / Parcel Number

Primary APN	`24-23-27-9009-00-340`
Alternative APNs	`272324900900340` `146676` `147847` `149965`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	6,013 sqft Living Area
Gross Area	8,023 sqft
1st Floor Area	4,520 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Tile
Lot Area	19,789 sqft (0.454 acres)
Garage Type	Attached
Garage Area	930 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	817 sqft
Patio Area	2 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	11514 WATERSTONE LOOP DR
City	WINDERMERE
State	FL
Zip	34786-5430
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	WATERSTONE 74/131 LOT 34
Legal Range	27E
Legal Township	23S
Legal Section	24
Legal Subdivision	WATERSTONE
Legal Tract	9009
Legal Lot Number	34
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2003
Census Tract	17115

Owner

Source: Orange County assessment roll, 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	Individual Name on File
Mailing Address	11514 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5430
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 25, 2020 · Amount on Record
Deed Sale	Aug 25, 2020 · Amount on Record
Prior Sale	Jun 29, 2012 · Amount on Record
Deed Document Number	2020445507
Record Updated	Jun 8, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Aug 25, 2020
Property Address	11514 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5430
Document Number	0000445507
Instrument Date	Aug 17, 2020
Instrument	445507
Transaction Type	Transfer
Record Updated	Sep 11, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$9,870.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11514 WATERSTONE LOOP DR WINDERMERE FL 347865430, WINDERMERE, FL 34786-5430

Mortgage

Document Number	445508
Date	Aug 25, 2020
Instrument	445508

Lender

Name	AMERICAN LIBERTY MTG
Type	Mortgage Company
Address	DENVER, CO 80211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 24, 2050

Mortgage

Document Number	445509,
Date	Aug 25, 2020
Instrument	445509

Lender

Name	FLAGSTAR BK
Type	Bank
Address	TROY, MI 48098-2639

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 24, 2050

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		$1,453,854 (+2.7%)	$1,885,300 (-1.33%) Land $280,000 Building $1,605,300
2025	$22,935.00 (+3.27%) Homeowner's exemption	$1,415,632 (+6.26%)	$1,910,670 (+11.2%) Land $280,000 Building $1,630,670
2024	$22,209.00 (+7.5%)
2023	$20,660.00 (+2.93%) Homeowner's exemption	$1,332,268 (+3%)	$1,718,158 (+23.91%) Land $280,000 Building $1,438,158
2022	$20,071.00 Homeowner's exemption	$1,293,464	$1,386,663 Land $280,000 Building $1,106,663

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
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

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 USA Fixed Wireless	100 / 20

May also be available: AT&T, Lumen Technologies.

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