13206 Charfield St, Windermere, FL 34786 Property Records

Orange County property record for 13206 Charfield St, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,875 sqft · built 2009
Lot Size	0.138 acres (5,997 sqft)
Owner	2 Individual Names on Record
Last Sale	$234,900 (May 2009)
Tax Bill	$3,861 (2025)
Deeds & Mortgages	Apr 2020 Sale Apr 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-23-27-4763-00-720`

Property Details

APN / Parcel Number

Primary APN	`26-23-27-4763-00-720`
Alternative APNs	`272326476300720` `149299` `150468` `152587`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,875 sqft Living Area
Gross Area	2,596 sqft
1st Floor Area	1,875 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,997 sqft (0.138 acres)
Garage Type	Attached
Garage Area	399 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	322 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	13206 CHARFIELD ST
City	WINDERMERE
State	FL
Zip	34786-6385
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	LAKE SAWYER SOUTH PHASE 2 68/86 LOT 72
Legal Range	27E
Legal Township	23S
Legal Section	26
Legal Subdivision	LAKE SAWYER SOUTH PH 2
Legal Phase	2
Legal Tract	4763
Legal Lot Number	72
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2045
Census Tract	17112

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 Record
Mailing Address	13206 CHARFIELD ST, WINDERMERE, FL 34786-6385
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2020	Correction Deed, Transfer NATIONAL CLOSING SOLUTIONS
Apr 21, 2020	Warranty Deed, Transfer LOANPAL
Feb 6, 2017	Deed of Trust, Mortgage · Line of Credit SUNTRUST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2009 · Amount on Record
Deed Sale	May 12, 2009 · Amount on Record
Deed Document Number	2009271834
Deed Book / Page	9871 / 2991
Last Transfer Date	Mar 6, 2020
Transfer Doc	0000249274
Record Updated	Jun 8, 2026

April 2020: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	ORANGE FL
Recording Date	Apr 23, 2020
Property Address	13206 CHARFIELD ST, WINDERMERE, FL 34786-6385
Document Number	0000249274
Instrument Date	Apr 23, 2020
Instrument	249274
Transaction Type	Transfer
Record Updated	May 20, 2020
Title Company	NATIONAL CLOSING SOLUTIONS

Transaction

Amount	Amount Recorded
Tax	$1,000.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	13206 CHARFIELD ST WINDERMERE FL 347866385, WINDERMERE, FL 34786-6385

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Apr 21, 2020
Property Address	13206 CHARFIELD ST, WINDERMERE, FL 34786-6385
Document Number	0000245148
Instrument Date	Mar 6, 2020
Instrument	245148
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	NATIONAL CLOSING SOLUTIONS

Transaction

Amount	Amount Recorded
Tax	$1,000.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	13206 CHARFIELD ST WINDERMERE FL 347866385, WINDERMERE, FL 34786-6385

Mortgage

Document Number	245149
Date	Apr 21, 2020
Instrument	245149

Lender

Name	LOANPAL
Address	ROSEVILLE, CA 95661

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 20, 2050

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	13206 CHARFIELD ST, WINDERMERE, FL 34786-6385
Document Number	0000103364
Instrument Date	Feb 6, 2017
Transaction Type	Mortgage
Record Updated	Aug 17, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13206 CHARFIELD ST WINDERMERE FL 347866385, WINDERMERE, FL 34786-6385

Mortgage

Document Number	0000103364
Date	Feb 24, 2017
Instrument	103364

Lender

Name	SUNTRUST BK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 23, 2047

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		$246,062 (+2.7%)	$423,500 (-1.09%) Land $125,000 Building $298,500
2025	$3,861.00 (+6.25%) Homeowner's exemption	$239,593 (+5.99%)	$428,180 (+9.15%) Land $125,000 Building $303,180
2024	$3,634.00 (+7.64%)
2023	$3,376.00 (+4.46%) Homeowner's exemption	$226,059 (+3%)	$392,278 (+17.18%) Land $125,000 Building $267,278
2022	$3,232.00 Homeowner's exemption	$219,475	$334,757 Land $110,000 Building $224,757

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 84 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	84 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 52% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect 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 697 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink.

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