1164 Estancia Woods Loop, Windermere, FL 34786 Property Records

Orange County property record for 1164 Estancia Woods Loop, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,737 sqft · built 2020
Lot Size	0.463 acres (20,149 sqft)
Owner	2 Individual Names on File
Last Sale	$885,000 (Aug 2020)
Tax Bill	$14,028 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-23-28-2480-00-410`

Property Details

APN / Parcel Number

Primary APN	`06-23-28-2480-00-410`
Alternative APNs	`282306248000410` `275191` `280034` `284193`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,737 sqft Living Area
Gross Area	5,531 sqft
1st Floor Area	3,322 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	20,149 sqft (0.463 acres)
Garage Type	Attached
Garage Area	863 sqft
Porch	Finished/Open Porch
Patio Area	331 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1164 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 41
Legal Range	28E
Legal Township	23S
Legal Section	06
Legal Subdivision	ESTANCIA AT WINDERMERE
Legal Tract	2480
Legal Lot Number	41
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2016
Census Tract	17120

Owner

1164 Estancia Woods Loop is owned and occupied by two individuals who bought it in August 2020.

Source: Orange County records, as of April 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1164 ESTANCIA WOODS LOOP, WINDERMERE, FL 34786-7933
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 15, 2025	Deed of Trust, Mortgage · Commercial Mortgage HARVEST SMALL BUSINESS FINANCE LLC
Mar 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage SPROUT MORTGAGE LLC
Mar 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage SPROUT MORTGAGE LLC
Aug 11, 2020	Grant Deed, Subdivision Related Transfer FIRST NAT'L BK/AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2020 · Amount on File
Deed Sale	Aug 11, 2020 · Amount on File
Deed Document Number	2020421969
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1164 ESTANCIA WOODS LOOP, WINDERMERE, FL 34786-7933
Transaction Type	Mortgage
Record Updated	Sep 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1164 ESTANCIA WOODS LOOP, WINDERMERE, FL 34786-7933

Mortgage

Document Number	0000535312
Date	Sep 15, 2025
Instrument	20250535312

Lender

Name	HARVEST SMALL BUSINESS FINANCE LLC
Type	Funding / Finance Company
Address	LAGUNA HILLS, CA 92653

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	495 Months
Due	Dec 12, 2066

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1164 ESTANCIA WOODS LOOP, WINDERMERE, FL 34786-7933
Transaction Type	Mortgage
Record Updated	Jan 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000152424
Date	Mar 17, 2021
Instrument	20210152424

Lender

Name	SPROUT MORTGAGE LLC
Type	Non-Lending Institution
Address	PORT SAINT LUCIE, FL 34986

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Jan 4, 2051

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1164 ESTANCIA WOODS LOOP, WINDERMERE, FL 34786-7933
Transaction Type	Mortgage
Record Updated	Apr 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210152424
Date	Mar 17, 2021
Instrument	20210152424

Lender

Name	SPROUT MORTGAGE LLC
Type	Non-Lending Institution
Address	PORT SAINT LUCIE, FL 34986

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Jan 4, 2051

August 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE FL
Recording Date	Aug 11, 2020
Property Address	1164 ESTANCIA WOODS LOOP, WINDERMERE, FL 34786-7933
Document Number	0000421969
Instrument Date	Aug 3, 2020
Instrument	421969
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 27, 2020
Title Company	INSPIRED TITLE SERVICES LLC, INSPIRED TITLE SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,195.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1164 ESTANCIA WOODS LOOP WINDERMERE FL 347867933, WINDERMERE, FL 34786-7933

Mortgage

Document Number	421970
Date	Aug 11, 2020
Instrument	421970

Lender

Name	FIRST NAT'L BK/AMERICA
Type	Bank
Address	EAST LANSING, MI 48823

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 10, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1164 Estancia Woods Loop was $14,028, up 3% 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		$872,049 (+2.7%)	$1,272,130 (-1.28%) Land $140,000 Building $1,132,130
2025	$14,028.00 (+2.96%) Homeowner's exemption	$849,123	$1,288,560 Land $140,000 Building $1,148,560
2024	$13,625.00 (+3.31%)
2023	$13,189.00 (+2.85%) Homeowner's exemption	$801,157 (+3%)	$976,752 (+15.98%) Land $140,000 Building $836,752
2022	$12,823.00 Homeowner's exemption	$777,822	$842,189 Land $140,000 Building $702,189

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

Flood

FEMA maps place 1164 Estancia Woods Loop in Zone X, an area of minimal flood risk, within 500 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 500 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 1164 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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