Orange County property record for 11754 Waterstone Loop Dr, Windermere, FL 34786 · Last verified May 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,049 sqft · built 2013 |
| Lot Size | 0.28 acres (12,213 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,300,000 (Oct 2025) |
| Tax Bill | $19,791 (2025) |
| Deeds & Mortgages | Apr 2022 Line of Credit Oct 2025 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-23-27-9009-01-050 |
| Primary APN | 24-23-27-9009-01-050 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 3,049 sqft Living Area |
| Gross Area | 4,121 sqft |
| 1st Floor Area | 3,049 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Concrete |
| Lot Area | 12,213 sqft (0.28 acres) |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Screened/Unfinished Porch |
| Porch Area | 610 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 11754 WATERSTONE LOOP DR |
|---|---|
| City | WINDERMERE |
| State | FL |
| Zip | 34786-5439 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WATERSTONE 74/131 LOT 105 |
| Legal Range | 27E |
| Legal Township | 23S |
| Legal Section | 24 |
| Legal Subdivision | WATERSTONE |
| Legal Tract | 9009 |
| Legal Block | 1 |
| Legal Lot Number | 105 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 17115 |
Source: Orange County records · APN 24-23-27-9009-01-050
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 Record | Individual Name on File |
|---|---|
| Mailing Address | 2005 CAMDEN LOOP, DAVENPORT, FL 33837-1796 |
| Owner Type | Individual |
| Vesting | Married |
| Date | Document |
|---|---|
| Apr 13, 2022 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Oct 07, 2025 | Warranty Deed, Transfer · VA Mortgage KIND LENDING LLC |
| Dec 15, 2022 | Warranty Deed, Transfer · Conventional Mortgage UBS BANK USA |
| Jan 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage COGENT BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 07, 2025 · Amount on Record |
| Deed Sale | Oct 07, 2025 · Amount on Record |
| Prior Sale | Dec 15, 2022 · Amount on Record |
| Deed Document Number | 2025582808 |
| Prior Transfer Date | Mar 04, 2016 |
| Prior Transfer Doc | 0000120401 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 11754 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5439 |
| Transaction Type | Mortgage |
| Record Updated | Nov 04, 2025 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC |
| Name | Verified Name |
|---|---|
| Address | 11754 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5439 |
| Document Number | 0000241914 |
|---|---|
| Date | Apr 13, 2022 |
| Instrument | 20220241914 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 07, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Oct 07, 2025 |
| Property Address | 11754 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5439 |
| Document Number | 0000582808 |
| Map Reference | MB 74 PG 131 |
| Instrument Date | Jul 19, 2025 |
| Instrument | 20250582808 |
| Transaction Type | Transfer |
| Record Updated | Nov 04, 2025 |
| Title Company | SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $9,100.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11754 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5439 |
| Name | Verified Name |
|---|---|
| Address | 2005 CAMDEN LOOP, DAVENPORT, FL 33837-1796 |
| Document Number | 0000582809 |
|---|---|
| Date | Oct 07, 2025 |
| Instrument | 20250582809 |
| Name | KIND LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Dec 15, 2022 |
| Property Address | 11754 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5439 |
| Document Number | 0000752430 |
| Map Reference | MB 74 PG 131-135 |
| Instrument Date | Dec 14, 2022 |
| Instrument | 20220752430 |
| Transaction Type | Transfer |
| Record Updated | Jan 06, 2023 |
| Title Company | NETWORK CLOSING SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $8,995.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7780 EARLWOOD AVE, MOUNT DORA, FL 32757-7133 |
| Name | Verified Name |
|---|---|
| Address | 11754 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5439 |
| Document Number | 0000752431 |
|---|---|
| Date | Dec 15, 2022 |
| Instrument | 20220752431 |
| Name | UBS BANK USA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.87% |
| Type Change Date | Jan 01, 2028 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 9.87% |
| Index | Other |
| Margin | 3 |
| Max Rate | 14.8% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 11754 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5439 |
| Transaction Type | Mortgage |
| Record Updated | Aug 01, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000058785 |
|---|---|
| Date | Jan 29, 2020 |
| Instrument | 20200058785 |
| Name | COGENT BANK |
|---|---|
| Type | Bank |
| Address | ORANGE CITY, FL 32763 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2050 |
Source: Orange County records · Assessment roll updated April 30, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Unified School District | Orange County School District (PK - 12) |
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 | $1,167,300 (-1.34%) Land $190,000 Building $977,300 | $1,167,300 (-1.34%) Land $190,000 Building $977,300 | |
| 2025 | $19,791.00 (+4.36%) | $1,183,170 (+3.98%) Land $190,000 Building $993,170 | $1,183,170 (+3.98%) Land $190,000 Building $993,170 |
| 2024 | $18,965.00 (+10.56%) | $1,137,837 (+6.35%) Land $190,000 Building $947,837 | $1,137,837 (+6.35%) Land $190,000 Building $947,837 |
| 2023 | $17,153.00 (+22.68%) | $1,069,922 (+23.21%) Land $190,000 Building $879,922 | $1,069,922 (+23.21%) Land $190,000 Building $879,922 |
| 2022 | $13,982.00 | $868,367 Land $190,000 Building $678,367 | $868,367 Land $190,000 Building $678,367 |
Source: FEMA National Flood Hazard Layer, Orange County (12095C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120950171152, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 61 individual NFIP policies nearby |
| 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, other causes, Hurricane Milton |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 88 locations within about half a mile of this property
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