Orange County property record for 11842 Gray Rock Trl, Windermere, FL 34786
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,309 sqft · built 2014 |
| Lot Size | 0.141 acres (6,127 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $485,000 (Mar 2021) |
| Tax Bill | $11,468 (2025) |
| Deeds & Mortgages | Nov 2023 Line of Credit Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 36-23-27-9161-00-680 |
| Primary APN | 36-23-27-9161-00-680 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,309 sqft Living Area |
| Gross Area | 4,543 sqft |
| 1st Floor Area | 1,570 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,127 sqft (0.141 acres) |
| Garage Type | Attached |
| Garage Area | 515 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 349 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 11842 GRAY ROCK TRL |
|---|---|
| City | WINDERMERE |
| State | FL |
| Zip | 34786-9514 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | P-D |
| Legal Description | WINDERMERE TRAILS PHASE 5B 81/32 LOT 68 |
| Legal Range | 27E |
| Legal Township | 23S |
| Legal Section | 36 |
| Legal Subdivision | WINDERMERE TRAILS PH 5B |
| Legal Phase | 5B |
| Legal Tract | 9161 |
| Legal Lot Number | 68 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 3 |
| Census Block | 3061 |
| Census Tract | 17112 |
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 | 11842 GRAY ROCK TRL, WINDERMERE, FL 34786-9514 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 15, 2023 | Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE |
| Mar 4, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SUMMIT MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 4, 2021 · Amount on Record |
| Deed Sale | Mar 4, 2021 · Amount on Record |
| Prior Sale | Aug 13, 2014 · Amount on Record |
| Deed Document Number | 2021125767 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 11842 GRAY ROCK TRL, WINDERMERE, FL 34786-9514 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2023 |
| Name | Verified Name |
|---|---|
| Address | 11842 GRAY ROCK TRL, WINDERMERE, FL 34786-9514 |
| Document Number | 0000661446 |
|---|---|
| Date | Nov 15, 2023 |
| Instrument | 20230661446 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Dec 1, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 11842 GRAY ROCK TRL, WINDERMERE, FL 34786-9514 |
| Transaction Type | Mortgage |
| Record Updated | Mar 18, 2021 |
| Name | Verified Name |
|---|---|
| Address | 11842 GRAY ROCK TRL, WINDERMERE, FL 34786-9514 |
| Document Number | 20210125768 |
|---|---|
| Date | Mar 4, 2021 |
| Instrument | 20210125768 |
| Name | SUMMIT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | MINNEAPOLIS, MN 55441 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2051 |
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 | $674,910 (+1.34%) Land $120,000 Building $554,910 | $674,910 (-1.23%) Land $120,000 Building $554,910 | |
| 2025 | $11,468.00 (+8.73%) | $665,973 (+10.29%) | $683,330 (+13.17%) Land $120,000 Building $563,330 |
| 2024 | $10,547.00 (+12.95%) | ||
| 2023 | $9,338.00 (+13.96%) | $603,827 (+20.68%) Land $115,000 Building $488,827 | $603,827 (+20.68%) Land $115,000 Building $488,827 |
| 2022 | $8,194.00 | $500,355 Land $90,000 Building $410,355 | $500,355 Land $90,000 Building $410,355 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 39 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 39 in force |
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 | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Indirect 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 467 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber · DSL in parts of the area | 2,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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