11866 Via Lucerna Cir, Windermere, FL 34786 Property Records

Orange County property record for 11866 Via Lucerna Cir, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,536 sqft · built 2004
Lot Size	0.14 acres (6,099 sqft)
Owner	2 Individual Names on Record
Last Sale	$297,600 (Jul 2004)
Tax Bill	$4,568 (2025)
Deeds & Mortgages	Oct 2017 Line of Credit Aug 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`31-22-28-0247-00-680`

Property Details

APN / Parcel Number

Primary APN	`31-22-28-0247-00-680`
Alternative APNs	`282231024700680` `258981` `263828` `268373`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,536 sqft Living Area
Gross Area	3,998 sqft
1st Floor Area	1,308 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	6,099 sqft (0.14 acres)
Garage Type	Attached
Garage Area	429 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	313 sqft
Patio Area	503 sqft
Water Feature	Water Feature

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	11866 VIA LUCERNA CIR
City	WINDERMERE
State	FL
Zip	34786-6079
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	BELMERE VILLAGE G5 54/140 LOT 68
Legal Range	28E
Legal Township	22S
Legal Section	31
Legal Subdivision	BELMERE VILLAGE G5
Legal Tract	247
Legal Lot Number	68
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2004
Census Tract	17120

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	11866 VIA LUCERNA CIR, WINDERMERE, FL 34786-6079
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Aug 2, 2017	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR
May 30, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2004 · Amount on Record
Deed Sale	Jul 28, 2004 · Amount on Record
Deed Document Number	2004488538
Deed Book / Page	7553 / 1433
Last Transfer Date	May 11, 2017
Transfer Doc	0000297985
Record Updated	Jun 8, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	11866 VIA LUCERNA CIR, WINDERMERE, FL 34786-6079
Document Number	0000555781
Instrument Date	Oct 2, 2017
Transaction Type	Mortgage
Record Updated	Aug 27, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 218 GOTHA FL 347340218, GOTHA, FL 34734-0218

Mortgage

Document Number	0000555781
Date	Oct 11, 2017
Instrument	555781

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 10, 2047

Interest

Rate Type	Adjustable Rate

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	11866 VIA LUCERNA CIR, WINDERMERE, FL 34786-6079
Document Number	0000446084
Instrument Date	Aug 2, 2017
Transaction Type	Mortgage
Record Updated	Aug 30, 2017
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11866 VIA LUCERNA CIR WINDERMERE FL 347866079, WINDERMERE, FL 34786-6079

Mortgage

Document Number	0000446084
Date	Aug 11, 2017
Instrument	446084

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 10, 2042

Interest

Rate Type	Adjustable Rate

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE FL
Recording Date	May 30, 2017
Property Address	11866 VIA LUCERNA CIR, WINDERMERE, FL 34786-6079
Document Number	0000297985
Instrument Date	May 11, 2017
Instrument	297985
Transaction Type	Transfer
Record Updated	Jun 13, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	11866 VIA LUCERNA CIR WINDERMERE FL 347866079, WINDERMERE, FL 34786-6079

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		$307,609 (+2.7%)	$574,050 (-1.33%) Land $100,000 Building $474,050
2025	$4,568.00 (+5.18%) Homeowner's exemption	$299,522 (+5.99%)	$581,790 (+10.9%) Land $100,000 Building $481,790
2024	$4,343.00 (+7.34%)
2023	$4,046.00 Homeowner's exemption	$282,603	$524,602 Land $100,000 Building $424,602

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 76 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	76 in force
Nearby Flood Claims	1 (2024)
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	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.

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Summit Broadband, Xfinity.

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