1226 Main St, Windermere, FL 34786 Property Records

Orange County property record for 1226 Main St, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,569 sqft · built 2001
Lot Size	0.777 acres (33,832 sqft)
Owner	2 Individual Names on Record
Last Sale	$935,000 (Oct 2017)
Tax Bill	$12,359 (2025)
Deeds & Mortgages	Sep 2021 Mortgage May 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-23-28-9336-00-240`

Property Details

APN / Parcel Number

Primary APN	`17-23-28-9336-00-240`
Alternative APNs	`282317933600240` `284171` `289015` `293178`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	4,569 sqft Living Area
Gross Area	7,797 sqft
1st Floor Area	3,878 sqft
Basement Area	864 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2010
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	33,832 sqft (0.777 acres)
Garage Type	Attached
Garage Area	1,350 sqft
Parking Spaces	5 Parking Spaces
Porch	Slab
Porch Area	1,705 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1226 MAIN ST
City	WINDERMERE
State	FL
Zip	34786-8702
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFR
Legal Description	PLAT OF WINDERMERE G/36 LOT 24
Legal Range	28E
Legal Township	23S
Legal Section	17
Legal Subdivision	WINDERMERE
Legal Tract	9336
Legal Lot Number	24
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2044
Census Tract	14809

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	1226 MAIN ST, WINDERMERE, FL 34786-8702
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
May 3, 2019	Warranty Deed, Transfer TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING
Oct 26, 2017	Warranty Deed, Transfer · ARM FLORIDA COMMUNITY BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 26, 2017 · Amount on Record
Deed Sale	Oct 26, 2017 · Amount on Record
Prior Sale	Jan 12, 2015 · Amount on Record
Deed Document Number	2017586435
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1226 MAIN ST, WINDERMERE, FL 34786-8702
Transaction Type	Mortgage
Record Updated	Oct 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210595430
Date	Sep 29, 2021
Instrument	20210595430

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	May 3, 2019
Property Address	1226 MAIN ST, WINDERMERE, FL 34786-8702
Document Number	0000274825
Instrument Date	Apr 19, 2019
Instrument	274825
Transaction Type	Transfer
Record Updated	May 21, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transaction

Amount	Amount Recorded
Tax	$1,750.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Oct 26, 2017
Property Address	1226 MAIN ST, WINDERMERE, FL 34786-8702
Document Number	0000586435
Map Reference	MB G PG 36
Instrument Date	Oct 20, 2017
Instrument	20170586435
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,545.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11112 CONISTON WAY, 11112, WINDERMERE, FL 34786-5410

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1226 MAIN ST, WINDERMERE, FL 34786-8702

Mortgage

Document Number	0000586436
Date	Oct 26, 2017
Instrument	20170586436

Lender

Name	FLORIDA COMMUNITY BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Nov 1, 2027
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	9.25%
Index	1-Year LIBOR
Max Rate	9.25%

Tax Assessment & Valuation

Source: Orange County assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Orange County
Municipality	Windermere Town
Unified School District	Orange County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$767,423 (+2.7%)	$1,367,520 (-1.16%) Land $365,000 Building $1,002,520
2025	$12,359.00 (+2.98%) Homeowner's exemption	$747,247 (+5.99%)	$1,383,600 (+9.43%) Land $365,000 Building $1,018,600
2024	$12,001.00 (+3.31%)
2023	$11,617.00 (+2.88%) Homeowner's exemption	$705,037 (+3%)	$1,264,397 (+23.52%) Land $365,000 Building $899,397
2022	$11,292.00 Homeowner's exemption	$684,502	$1,023,606 Land $265,000 Building $758,606

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
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 59 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	59 in force
Nearby Flood Claims	11 (1989–2024)
Claims Outside the SFHA	4 of 11
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Ian, Sep 2022 · 2 claims Hurricane Frances, Sep 2004 · 2 claims

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	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 35

May also be available: Hotwire Communications, T-Mobile, Verizon.

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