Orange County property record for 11850 Waterstone Loop Dr, Windermere, FL 34786
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,137 sqft · built 2012 |
| Lot Size | 0.342 acres (14,915 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $760,000 (Oct 2018) |
| Tax Bill | $12,824 (2025) |
| Deeds & Mortgages | Nov 2021 Second Mortgage May 2020 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-23-27-9009-00-960 |
| Primary APN | 24-23-27-9009-00-960 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 3,137 sqft Living Area |
| Gross Area | 4,197 sqft |
| 1st Floor Area | 3,137 sqft |
| Utility Area | 176 sqft |
| Flooring | Carpet |
| 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 | 14,915 sqft (0.342 acres) |
| Garage Type | Attached |
| Garage Area | 572 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 312 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 11850 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 96 |
| Legal Range | 27E |
| Legal Township | 23S |
| Legal Section | 24 |
| Legal Subdivision | WATERSTONE |
| Legal Tract | 9009 |
| Legal Lot Number | 96 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 17115 |
Source: Orange County records · APN 24-23-27-9009-00-960
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 | 11850 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5437 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 03, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC |
| May 23, 2020 | Deed of Trust, Mortgage ALLY BK |
| Oct 29, 2018 | Warranty Deed, Transfer QUICKEN LNS |
| Jul 20, 2018 | Grant Deed, Transfer |
| Aug 04, 2017 | Grant Deed, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 29, 2018 · Amount on Record |
| Deed Sale | Oct 29, 2018 · Amount on Record |
| Deed Document Number | 2018632765 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 11850 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5437 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 11850 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5437 |
| Document Number | 20210677085 |
|---|---|
| Date | Nov 03, 2021 |
| Instrument | 20210677085 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | PHILADELPHIA, PA 19104 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 01, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 11850 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5437 |
| Document Number | 0000442879 |
| Instrument Date | May 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 10, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 11850 WATERSTONE LOOP DR WINDERMERE FL 347865437, WINDERMERE, FL 34786-5437 |
| Document Number | 0000442879 |
|---|---|
| Date | Aug 21, 2020 |
| Instrument | 442879 |
| Name | ALLY BK |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28202-2028 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Aug 20, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Oct 29, 2018 |
| Property Address | 11850 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5437 |
| Document Number | 0000632765 |
| Instrument Date | Oct 26, 2018 |
| Instrument | 632765 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2018 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,320.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 11850 WATERSTONE LOOP DR WINDERMERE FL 347865437, WINDERMERE, FL 34786-5437 |
| Document Number | 632766 |
|---|---|
| Date | Oct 29, 2018 |
| Instrument | 632766 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Oct 28, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Jul 20, 2018 |
| Property Address | 11850 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5437 |
| Document Number | 0000429445 |
| Instrument Date | Jul 19, 2018 |
| Instrument | 429445 |
| Transaction Type | Transfer |
| Record Updated | Aug 08, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 11850 WATERSTONE LOOP DR WINDERMERE FL 347865437, WINDERMERE, FL 34786-5437 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Aug 04, 2017 |
| Property Address | 11850 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5437 |
| Document Number | 0000433457 |
| Instrument Date | Aug 01, 2017 |
| Instrument | 433457 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Corporate Trust |
| Address | 6900 S ORANGE BLOSSOM TRL #400 ORLANDO FL 328095734, 400, ORLANDO, FL 32809-5734 |
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 | $820,215 (+2.7%) | $1,125,485 (-1.29%) Land $200,000 Building $925,485 | |
| 2025 | $12,824.00 (+3.65%) Homeowner's exemption | $798,651 (+5.99%) | $1,140,235 (+10.57%) Land $200,000 Building $940,235 |
| 2024 | $12,373.00 (+7.23%) | ||
| 2023 | $11,539.00 (+3.1%) Homeowner's exemption | $753,537 (+3%) | $1,031,258 (+22.11%) Land $200,000 Building $831,258 |
| 2022 | $11,192.00 Homeowner's exemption | $731,589 | $844,551 Land $200,000 Building $644,551 |
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 |
|---|---|
| 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 | Not rated no burnable land within 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 |
| Starlink Satellite | 280 / 30 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: AT&T, Lumen Technologies.
Based on FCC filings for 119 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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