11551 Waterstone Loop Dr, Windermere, FL 34786 Property Records

Orange County property record for 11551 Waterstone Loop Dr, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 5,412 sqft · built 2012
Lot Size	1.5 acres (65,673 sqft)
Owner	2 Individual Names on File
Last Sale	$600,000 (Nov 2011)
Tax Bill	$25,709 (2025)
Deeds & Mortgages	Jul 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-23-27-9009-00-160`

Property Details

APN / Parcel Number

Primary APN	`24-23-27-9009-00-160`
Alternative APNs	`272324900900160` `146654` `147824` `149943`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	5,412 sqft Living Area
Gross Area	7,873 sqft
1st Floor Area	4,555 sqft
Utility Area	95 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	65,673 sqft (1.5 acres)
Garage Type	Attached
Garage Area	1,192 sqft
Parking Spaces	4 Parking Spaces
Porch	Finished/Open Porch
Porch Area	921 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	11551 WATERSTONE LOOP DR
City	WINDERMERE
State	FL
Zip	34786-5431
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	WATERSTONE 74/131 LOT 16
Legal Range	27E
Legal Township	23S
Legal Section	24
Legal Subdivision	WATERSTONE
Legal Tract	9009
Legal Lot Number	16
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2001
Census Tract	17115

Owner

Source: Orange County assessment roll, APN 24-23-27-9009-00-160, as of 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 Record	2 Individual Names on File
Mailing Address	11551 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5431
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 02, 2011 · Amount on Record
Deed Sale	Nov 02, 2011 · Amount on Record
Deed Document Number	2011577927
Deed Book / Page	10289 / 2207
Record Updated	Jun 08, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	11551 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5431
Transaction Type	Mortgage
Record Updated	Aug 01, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000422973
Date	Jul 31, 2017
Instrument	20170422973

Lender

Name	PNC MORTGAGE LLC
Type	Lending Institution
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 01, 2032

Tax Assessment & Valuation

Source: Orange County assessment roll as of April 30, 2026 · Last verified May 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		$1,627,674 (+2.7%)	$2,904,940 (-1.16%) Land $730,000 Building $2,174,940
2025	$25,709.00 (+3.22%) Homeowner's exemption	$1,584,882 (+6.23%)	$2,939,090 (+6.73%) Land $730,000 Building $2,209,090
2024	$24,907.00 (+7.46%)
2023	$23,177.00 (+2.91%) Homeowner's exemption	$1,491,957 (+3%)	$2,753,703 (+52.51%) Land $730,000 Building $2,023,703
2022	$22,521.00 Homeowner's exemption	$1,448,502	$1,805,573 Land $630,000 Building $1,175,573

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Orange County (12095C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120950171152, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 94% of the US · lower than 94% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, 119 locations within half a mile, as of December 31, 2025 · Last verified October 2026

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL3484119, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	OCUD/SOUTHERN WATER SYS (5 WPS) serves 80,738 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.