11524 Charnock Dr, Windermere, FL 34786 Property Records

Orange County property record for 11524 Charnock Dr, Windermere, FL 34786 · Last verified June 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 2018
Square Footage	2,727 sqft Living Area
Lot Size	4,273 sqft (0.98 acres)
Occupancy	Owner Occupied
Last Sale	$400,900 (2018)
Tax Bill	$9,446.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`25-23-27-9176-01-480`
Alternative APNs	`272325917601480` `148692` `149860` `151980`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,727 sqft Living Area
Gross Area	3,894 sqft Gross Area
1st Floor	1,224 sqft 1st Floor
Stories	2 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Concrete Block Exterior
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	4,273 sqft (0.98 acres)
Garage Type	Detached Garage
Garage Area	504 sqft Garage
Porch Area	218 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air with Air Conditioning Heating
Heating Fuel	Electric Heating Fuel

Location & Zoning

Street Address	11524 CHARNOCK DR
City	WINDERMERE
State	FL
Zip	34786-6772
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	WESTSIDE VILLAGE 93/16 LOT 148
Legal Range	27E
Legal Township	23S
Legal Section	25
Legal Subdivision	WESTSIDE VLG
Legal Block	1
Legal Lot Number	148
Jurisdiction	ORANGE FL
Minor Civil Division	SOUTHWEST ORANGE
Census Blockgroup	3
Census Block	3007
Census Tract	17112

Owner

Source: Orange County records · APN 25-23-27-9176-01-480

Assessment roll updated April 30, 2026 · Last verified June 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	11524 CHARNOCK DR, WINDERMERE, FL 34786-6772
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 09, 2018 · Amount on Record
Deed Sale	May 09, 2018 · Amount on Record
Prior Sale	Jun 01, 2017 · Amount on Record
Deed Doc Number	2018274239
Record Refreshed	Sep 20, 2026

May 2018: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	May 09, 2018
Property Address	11524 CHARNOCK DR, WINDERMERE, FL 34786-6772
Document Number	0000274239
Map Reference	MB 93 PG 16-20
Instrument Date	May 08, 2018
Instrument	20180274239
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 03, 2022
Title Company	CAREFREE TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,806.30
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5337 MILLENIA LAKES BLVD STE 410, 5337, ORLANDO, FL 32839-6302

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11524 CHARNOCK DR, WINDERMERE, FL 34786-6772

Mortgage

Document Number	0000274240
Date	May 09, 2018
Instrument	20180274240

Lender

Name	HSBC BANK USA
Type	Bank

Agreement

Type	Adjustable Rate Mortgage (ARM)
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.68%
Type Change Date	Jun 01, 2023
Change Frequency	Annually
Min Rate At Change	2.68%
Max Rate At Change	6.68%
Index	1-Year LIBOR
Max Rate	9.68%

Tax Assessment & Valuation

Source: Orange County records · Assessment roll updated April 30, 2026 · Last verified June 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		$554,510 (+8.13%) Land $120,000 Building $434,510	$554,510 (-8.22%) Land $120,000 Building $434,510
2025	$9,446.00 (+7.89%)	$512,806 (+0.34%)	$604,150 (+18.21%) Land $120,000 Building $484,150
2024	$8,755.00 (+15.12%)
2023	$7,605.00 (+12.33%)	$511,075 (+16.78%) Land $85,000 Building $426,075	$511,075 (+16.78%) Land $85,000 Building $426,075
2022	$6,770.00	$437,621 Land $80,000 Building $357,621	$437,621 Land $80,000 Building $357,621

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Orange County (12095C), updated September 24, 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
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Moderate above 53% of the US · above 23% of Florida
Wildfire Likelihood	About 1 in 1,075 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.