1309 Kelso Blvd, Windermere, FL 34786 Property Records

Orange County property record for 1309 Kelso Blvd, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,165 sqft · built 1979
Lot Size	0.957 acres (41,691 sqft)
Owner	2 Individual Names on File
Last Sale	$425,000 (Jan 2015)
Tax Bill	$20,734 (2025)
Deeds & Mortgages	May 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`13-23-27-4110-00-080`

Property Details

APN / Parcel Number

Primary APN	`13-23-27-4110-00-080`
Alternative APNs	`272313411000080` `138753` `139610` `141124`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,165 sqft Living Area
Gross Area	4,596 sqft
1st Floor Area	1,900 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	41,691 sqft (0.957 acres)
Garage Type	Attached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	488 sqft
Patio Area	430 sqft
Boat Access	Boat Access
Boat House	Boat House

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1309 KELSO BLVD
City	WINDERMERE
State	FL
Zip	34786-7503
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-CE
Legal Description	KELSO ON LAKE BUTLER 5/48 LOT 8
Legal Range	27E
Legal Township	23S
Legal Section	13
Legal Subdivision	KELSO ON LAKE BUTLER
Legal Tract	4110
Legal Lot Number	8
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2001
Census Tract	17115

Owner

Source: Orange County records, as of May 4, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	1309 KELSO BLVD, WINDERMERE, FL 34786-7503
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 7, 2015 · Amount on File
Deed Sale	Jan 7, 2015 · Amount on File
Prior Sale	Nov 2, 2004 · Amount on File
Deed Document Number	20156959
Deed Book / Page	10857 / 3904
Prior Transfer Date	Aug 24, 2010
Prior Transfer Doc	0000513823
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1309 KELSO BLVD, WINDERMERE, FL 34786-7503
Document Number	0000339577
Instrument Date	May 28, 2020
Transaction Type	Mortgage
Record Updated	Jul 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1309 KELSO BLVD WINDERMERE FL 347867503, WINDERMERE, FL 34786-7503

Mortgage

Document Number	0000339577
Date	Jun 19, 2020
Instrument	339577

Lender

Name	IBERIABANK
Type	Bank
Address	ORLANDO, FL 32801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 18, 2050

Interest

Rate Type	Adjustable Rate

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		$1,310,228 (+2.7%)	$1,468,190 (-0.38%) Land $1,150,000 Building $318,190
2025	$20,734.00 (+3.97%) Homeowner's exemption	$1,275,782 (+6.66%)	$1,473,830 (+1.95%) Land $1,150,000 Building $323,830
2024	$19,942.00 (+7.19%)
2023	$18,605.00 (+3.03%) Homeowner's exemption	$1,196,092 (+3%)	$1,445,624 (+2.95%) Land $1,150,000 Building $295,624
2022	$18,057.00 Homeowner's exemption	$1,161,254	$1,404,208 Land $1,150,000 Building $254,208

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 File 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

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 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 63 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 / 1,000
Verizon Fixed Wireless	300 / 20