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11548 Charnock Dr, Windermere, FL 34786 Property Records

Orange County property record for 11548 Charnock Dr, Windermere, FL 34786 · Last verified May 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms3 Baths
Year BuiltBuilt 2018
Square Footage2,248 sqft Living Area
Lot Size4,273 sqft (0.98 acres)
OccupancyOwner Occupied
Last Sale$475,000 (2021)
Tax Bill$7,047.00 (2025)

Property Details

APN / Parcel Number

Primary APN25-23-27-9176-01-440
Alternative APNs
  • 272325917601440
  • 148686
  • 149856
  • 151975

Interior

Bedrooms4 Beds
Full Baths3 Baths
Building Area2,248 sqft Living Area
Gross Area3,237 sqft Gross Area
1st Floor1,224 sqft 1st Floor
Stories2 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2018
Effective Year BuiltEffective 2018
Exterior MaterialConcrete Block Exterior
Roof ConstructionGable/Hip Roof Construction
Roof MaterialConcrete Roof
Lot Area4,273 sqft (0.98 acres)
Garage TypeDetached Garage
Garage Area441 sqft Garage
Total Buildings2 Total Buildings
Porch Area218 sqft Porch

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemForced Air with Air Conditioning Heating
Heating FuelElectric Heating Fuel

Location & Zoning

Street Address11548 CHARNOCK DR
CityWINDERMERE
StateFL
Zip34786-6772
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionWESTSIDE VILLAGE 93/16 LOT 144
Legal Range27E
Legal Township23S
Legal Section25
Legal SubdivisionWESTSIDE VLG
Legal Block1
Legal Lot Number144
JurisdictionORANGE FL
Minor Civil DivisionSOUTHWEST ORANGE
Census Blockgroup3
Census Block3007
Census Tract17112

Owner

Source: Orange County records · APN 25-23-27-9176-01-440

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 RecordIndividual Name on File
Mailing Address11548 CHARNOCK DR, WINDERMERE, FL 34786-6772
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
May 25, 2021Deed of Trust, Mortgage · Conventional Mortgage
OBSIDIAN FINANCIAL SERVICES INC
Jan 08, 2021Deed of Trust, Mortgage · Conventional Mortgage
QUICKEN LOANS LLC
May 25, 2021Deed of Trust, Mortgage · Conventional Mortgage
OBSIDIAN FINANCIAL SERVICES INC
Jul 09, 2020Quit Claim Deed, Transfer
QUICKEN LNS
Aug 21, 2020Correction Deed, Transfer
HOMETOWN TITLE GROUP INC, HOMETOWN TITLE GRP INC
Jun 11, 2018Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMay 25, 2021 · Amount on Record
Deed SaleMay 25, 2021 · Amount on Record
Prior SaleJul 09, 2020 · Amount on Record
Deed Doc Number2021313102
Prior Transfer DateJul 02, 2020
Prior Transfer Doc0000441661
Record RefreshedJun 08, 2026

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionORANGE FL
Property Address11548 CHARNOCK DR, WINDERMERE, FL 34786-6772
Transaction TypeMortgage
Record UpdatedDec 09, 2025

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000313103
DateMay 25, 2021
Instrument20210313103
Lender
NameOBSIDIAN FINANCIAL SERVICES INC
TypeMortgage Company
AddressMELBOURNE, FL 32901
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2051

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionORANGE FL
Property Address11548 CHARNOCK DR, WINDERMERE, FL 34786-6772
Transaction TypeMortgage
Record UpdatedJan 03, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000012763
DateJan 08, 2021
Instrument20210012763
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJan 01, 2051

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionORANGE FL
Property Address11548 CHARNOCK DR, WINDERMERE, FL 34786-6772
Transaction TypeMortgage
Record UpdatedJun 15, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number20210313103
DateMay 25, 2021
Instrument20210313103
Lender
NameOBSIDIAN FINANCIAL SERVICES INC
TypeMortgage Company
AddressMELBOURNE, FL 32901
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2051

July 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionORANGE FL
Recording DateJul 09, 2020
Property Address11548 CHARNOCK DR, WINDERMERE, FL 34786-6772
Document Number0000368893
Instrument DateJul 02, 2020
Instrument368893
Transaction TypeTransfer
Record UpdatedJul 30, 2020
Title CompanyHOMETOWN TITLE GROUP INC, HOMETOWN TITLE GRP INC

Transaction

AmountAmount Recorded
Tax$846.00
Amount AccuracyConfirmed
Additional
  • Quitclaim Document

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address11548 CHARNOCK DR WINDERMERE FL 347866772, WINDERMERE, FL 34786-6772

Mortgage

Document Number368894
DateJul 09, 2020
Instrument368894
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
AmountAmount Recorded
Term360 Months
DueJul 08, 2050

August 2020: Correction Deed, Transfer

Document TypeCorrection Deed
JurisdictionORANGE FL
Recording DateAug 21, 2020
Property Address11548 CHARNOCK DR, WINDERMERE, FL 34786-6772
Document Number0000441661
Instrument DateJul 02, 2020
Instrument441661
Transaction TypeTransfer
Record UpdatedSep 09, 2020
Title CompanyHOMETOWN TITLE GROUP INC, HOMETOWN TITLE GRP INC

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address11548 CHARNOCK DR WINDERMERE FL 347866772, WINDERMERE, FL 34786-6772

June 2018: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionORANGE FL
Recording DateJun 11, 2018
Property Address11548 CHARNOCK DR, WINDERMERE, FL 34786-6772
Document Number0000342389
Map ReferenceMB 93 PG 16-20
Instrument DateJun 07, 2018
Instrument20180342389
Transaction TypeSubdivision Related Transfer
Record UpdatedJan 03, 2022
Title CompanyCAREFREE TITLE AGENCY INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,625.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address5337 MILLENIA LAKES BLVD STE 410, 5337, ORLANDO, FL 32839-6302

Transferred To (Grantee/Buyer)

NameVerified Name
Address11548 CHAMOCK DR, WINDERMERE, FL 34786

Mortgage

Document Number0000342390
DateJun 11, 2018
Instrument20180342390
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJun 01, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOrange County
Unified School DistrictOrange 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.

YearTax BillAssessed ValueAssessed Market Value
2026$452,991 (+2.7%)$512,670 (-8.09%) Land $120,000 Building $392,670
2025$7,047.00 (+4.25%) Homeowner's exemption$441,082 (+5.99%)$557,800 (+18.5%) Land $120,000 Building $437,800
2024$6,760.00 (+7.11%)
2023$6,311.00 (+3.32%) Homeowner's exemption$416,166 (+3%)$470,701 (+16.5%) Land $85,000 Building $385,701
2022$6,108.00 Homeowner's exemption$404,045 Land $80,000 Building $324,045$404,045 Land $80,000 Building $324,045

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 ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskModerate
above 53% of the US · above 23% of Florida
Wildfire LikelihoodAbout 1 in 1,075 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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

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