11815 Waterstone Loop Dr, Windermere, FL 34786 Property Records

Orange County property record for 11815 Waterstone Loop Dr, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,713 sqft · built 2012
Lot Size	0.28 acres (12,217 sqft)
Owner	2 Individual Names on Record
Last Sale	$735,000 (Apr 2018)
Tax Bill	$20,126 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-23-27-9009-01-120`

Property Details

APN / Parcel Number

Primary APN	`24-23-27-9009-01-120`
Alternative APNs	`272324900901120` `146772` `147941` `150062`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,713 sqft Living Area
Gross Area	4,613 sqft
1st Floor Area	3,302 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	12,217 sqft (0.28 acres)
Garage Type	Attached
Garage Area	499 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	328 sqft
Patio Area	2 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	11815 WATERSTONE LOOP DR
City	WINDERMERE
State	FL
Zip	34786-5438
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	WATERSTONE 74/131 LOT 112
Legal Range	27E
Legal Township	23S
Legal Section	24
Legal Subdivision	WATERSTONE
Legal Tract	9009
Legal Block	1
Legal Lot Number	112
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2009
Census Tract	17115

Owner

Source: Orange County records, as of May 4, 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 Record
Mailing Address	120 EDGEVIEW DR, 4415, BROOMFIELD, CO 80021-8090
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2021	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Jun 8, 2020	Deed of Trust, Mortgage · VA Mortgage EQUITY PRIME MTG
Apr 19, 2018	Warranty Deed, Transfer · VA Mortgage CENTENNIAL LNDG GRP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 19, 2018 · Amount on Record
Deed Sale	Apr 19, 2018 · Amount on Record
Prior Sale	Sep 28, 2011 · Amount on Record
Deed Document Number	2018234796
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	11815 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5438
Transaction Type	Mortgage
Record Updated	Jul 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11815 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5438

Mortgage

Document Number	0000569906
Date	Sep 20, 2021
Instrument	20210569906

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	11815 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5438
Document Number	0000337854
Instrument Date	Jun 8, 2020
Transaction Type	Mortgage
Record Updated	Jul 2, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11815 WATERSTONE LOOP DR WINDERMERE FL 347865438, WINDERMERE, FL 34786-5438

Mortgage

Document Number	0000337854
Date	Jun 18, 2020
Instrument	337854

Lender

Name	EQUITY PRIME MTG
Address	ATLANTA, GA 30328

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 17, 2050

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Apr 19, 2018
Property Address	11815 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5438
Document Number	0000234796
Instrument Date	Apr 17, 2018
Instrument	234796
Transaction Type	Transfer
Record Updated	Sep 10, 2019
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,145.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11815 WATERSTONE LOOP DR WINDERMERE FL 347865438, WINDERMERE, FL 34786-5438

Mortgage

Document Number	234797
Date	Apr 19, 2018
Instrument	234797

Lender

Name	CENTENNIAL LNDG GRP LLC
Address	MAPLE GLEN, PA 19002

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 18, 2048

Tax Assessment & Valuation

Source: Orange County assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Orange County
Unified School District	Orange County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,208,530 (+1.58%) Land $190,000 Building $1,018,530	$1,208,530 (-1.34%) Land $190,000 Building $1,018,530
2025	$20,126.00 (+7.82%)	$1,189,703 (+7.38%)	$1,224,980 (+10.56%) Land $190,000 Building $1,034,980
2024	$18,666.00 (+12.53%)
2023	$16,587.00 (+21.22%)	$1,107,953 (+29.99%) Land $190,000 Building $917,953	$1,107,953 (+29.99%) Land $190,000 Building $917,953
2022	$13,683.00	$852,333 Land $190,000 Building $662,333	$852,333 Land $190,000 Building $662,333

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

Flood

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 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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 88 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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