Orange County property record for 11839 Waterstone Loop Dr, Windermere, FL 34786
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,007 sqft · built 2012 |
| Lot Size | 0.28 acres (12,204 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $555,700 (Mar 2012) |
| Tax Bill | $10,243 (2025) |
| Deeds & Mortgages | Nov 2025 Line of Credit Dec 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-23-27-9009-01-080 |
| Primary APN | 24-23-27-9009-01-080 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 3,007 sqft Living Area |
| Gross Area | 4,627 sqft |
| 1st Floor Area | 3,007 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Concrete |
| Lot Area | 12,204 sqft (0.28 acres) |
| Garage Type | Attached |
| Garage Area | 704 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 685 sqft |
| Patio Area | 231 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 11839 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 108 |
| Legal Range | 27E |
| Legal Township | 23S |
| Legal Section | 24 |
| Legal Subdivision | WATERSTONE |
| Legal Tract | 9009 |
| Legal Block | 1 |
| Legal Lot Number | 108 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 17115 |
Source: Orange County records · APN 24-23-27-9009-01-080
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 11839 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5438 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 05, 2025 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Dec 06, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA |
| Apr 19, 2018 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BK/CTRL FL |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 21, 2012 · Amount on Record |
| Deed Sale | Mar 21, 2012 · Amount on Record |
| Prior Sale | Aug 12, 2011 · Amount on Record |
| Deed Document Number | 2012148558 |
| Deed Book / Page | 10349 / 6719 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 11839 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5438 |
| Transaction Type | Mortgage |
| Record Updated | Dec 05, 2025 |
| Name | Verified Name |
|---|---|
| Address | 11839 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5438 |
| Document Number | 0000642567 |
|---|---|
| Date | Nov 05, 2025 |
| Instrument | 20250642567 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Oct 16, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 11839 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5438 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Name | Verified Name |
|---|---|
| Address | 11839 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5438 |
| Document Number | 0000741387 |
|---|---|
| Date | Dec 06, 2021 |
| Instrument | 20210741387 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45227 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 01, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 11839 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5438 |
| Document Number | 0000278401 |
| Instrument Date | Apr 19, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 01, 2018 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 11839 WATERSTONE LOOP DR WINDERMERE FL 347865438, WINDERMERE, FL 34786-5438 |
| Document Number | 0000278401 |
|---|---|
| Date | May 10, 2018 |
| Instrument | 278401 |
| Name | FIFTH THIRD BK/CTRL FL |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | May 09, 2023 |
| Rate Type | Adjustable Rate |
|---|
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 | $658,491 (+2.7%) | $1,137,170 (-1.33%) Land $190,000 Building $947,170 | |
| 2025 | $10,243.00 (+3.85%) Homeowner's exemption | $641,179 (+5.99%) | $1,152,530 (+10.4%) Land $190,000 Building $962,530 |
| 2024 | $9,863.00 (+7.24%) | ||
| 2023 | $9,197.00 (+3.2%) Homeowner's exemption | $604,960 (+3%) | $1,043,965 (+21.69%) Land $190,000 Building $853,965 |
| 2022 | $8,912.00 Homeowner's exemption | $587,340 | $857,884 Land $190,000 Building $667,884 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Low lower than 98% of the US · lower than 97.6% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| 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 as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Lumen Technologies.
Based on FCC filings for 142 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System 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 |
| 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.
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