Orange County property record for 11820 Waterstone Loop Dr, Windermere, FL 34786
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,817 sqft · built 2011 |
| Lot Size | 0.291 acres (12,680 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $698,000 (Nov 2015) |
| Tax Bill | $12,244 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-23-27-9009-01-010 |
| Primary APN | 24-23-27-9009-01-010 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,817 sqft Living Area |
| Gross Area | 4,015 sqft |
| 1st Floor Area | 2,817 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2011 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Concrete |
| Lot Area | 12,680 sqft (0.291 acres) |
| Garage Type | Attached |
| Garage Area | 570 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 628 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 11820 WATERSTONE LOOP DR |
|---|---|
| City | WINDERMERE |
| State | FL |
| Zip | 34786-5437 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | P-D |
| Legal Description | WATERSTONE 74/131 LOT 101 |
| Legal Range | 27E |
| Legal Township | 23S |
| Legal Section | 24 |
| Legal Subdivision | WATERSTONE |
| Legal Tract | 9009 |
| Legal Block | 1 |
| Legal Lot Number | 101 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 17115 |
Source: Orange County records, as of June 22, 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 | 11820 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5437 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 25, 2015 · Amount on Record |
| Deed Sale | Nov 25, 2015 · Amount on Record |
| Prior Sale | Apr 11, 2013 · Amount on Record |
| Deed Document Number | 2015613766 |
| Deed Book / Page | 11018 / 4219 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 11820 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5437 |
| Document Number | 0000664228 |
| Instrument Date | Dec 7, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 7, 2021 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 11820 WATERSTONE LOOP DR WINDERMERE FL 347865437, WINDERMERE, FL 34786-5437 |
| Document Number | 0000664228 |
|---|---|
| Date | Dec 18, 2020 |
| Instrument | 664228 |
| Name | NOVUS HM MTG |
|---|---|
| Address | WAUKESHA, WI 53186 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 17, 2050 |
Source: Orange County assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Unified School District | Orange County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $783,911 (+2.7%) | $1,073,880 (-1.31%) Land $190,000 Building $883,880 | |
| 2025 | $12,244.00 (+3.68%) Homeowner's exemption | $763,302 (+5.99%) | $1,088,140 (+10.49%) Land $190,000 Building $898,140 |
| 2024 | $11,809.00 (+7.23%) | ||
| 2023 | $11,013.00 (+3.12%) Homeowner's exemption | $720,184 (+3%) | $984,836 (+22.26%) Land $190,000 Building $794,836 |
| 2022 | $10,680.00 Homeowner's exemption | $699,208 | $805,546 Land $190,000 Building $615,546 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 119 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T, CenturyLink.
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