13219 Charfield St, Windermere, FL 34786 Property Records

Orange County property record for 13219 Charfield St, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,706 sqft · built 2009
Lot Size	0.138 acres (5,997 sqft)
Owner	Individual Name on File
Last Sale	$489,000 (Aug 2023)
Tax Bill	$6,800 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-23-27-4763-00-110`

Property Details

APN / Parcel Number

Primary APN	`26-23-27-4763-00-110`
Alternative APNs	`272326476300110` `149224` `150394` `152512`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,706 sqft Living Area
Gross Area	2,546 sqft
1st Floor Area	1,706 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	416 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	424 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	13219 CHARFIELD ST
City	WINDERMERE
State	FL
Zip	34786-6372
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	LAKE SAWYER SOUTH PHASE 2 68/86 LOT 11
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	11
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2040
Census Tract	17112

Owner

13219 Charfield St is owned and occupied by an individual who bought it in August 2023.

Source: Orange County records, as of July 7, 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	Individual Name on File
Mailing Address	13219 CHARFIELD ST, WINDERMERE, FL 34786-6372
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED FINANCE INC
Dec 29, 2020	Deed of Trust, Mortgage · FHA Mortgage MR COOPER
Oct 23, 2019	Warranty Deed, Transfer · FHA Mortgage CENTURY LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 29, 2023 · Amount on File
Deed Sale	Aug 29, 2023 · Amount on File
Prior Sale	Oct 23, 2019 · Amount on File
Deed Document Number	2023492340
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	13219 CHARFIELD ST, WINDERMERE, FL 34786-6372
Transaction Type	Mortgage
Record Updated	Oct 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13219 CHARFIELD ST, WINDERMERE, FL 34786-6372

Mortgage

Document Number	20210594096
Date	Sep 29, 2021
Instrument	20210594096

Lender

Name	UNITED FINANCE INC
Type	Lending Institution
Address	TUSTIN, CA 92780

Agreement

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

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	13219 CHARFIELD ST, WINDERMERE, FL 34786-6372
Document Number	0000017064
Instrument Date	Dec 29, 2020
Transaction Type	Mortgage
Record Updated	Jan 27, 2021
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	13219 CHARFIELD ST WINDERMERE FL 347866372, WINDERMERE, FL 34786-6372

Mortgage

Document Number	0000017064
Date	Jan 11, 2021
Instrument	17064

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 10, 2051

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Oct 23, 2019
Property Address	13219 CHARFIELD ST, WINDERMERE, FL 34786-6372
Document Number	0000665938
Instrument Date	Oct 21, 2019
Instrument	665938
Transaction Type	Transfer
Record Updated	Nov 8, 2019
Title Company	CLOSING AGENT INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,226.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	13219 CHARFIELD ST WINDERMERE FL 347866372, WINDERMERE, FL 34786-6372

Mortgage

Document Number	665939
Date	Oct 23, 2019
Instrument	665939

Lender

Name	CENTURY LNDG
Address	LOUISVILLE, KY 40223

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 22, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 13219 Charfield St was $6,800, up 4.7% from the year before.

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		$419,370 (-0.56%) Land $125,000 Building $294,370	$419,370 (-1.1%) Land $125,000 Building $294,370
2025	$6,800.00 (+4.74%) Homeowner's exemption	$421,722	$424,020 Land $125,000 Building $299,020
2024	$6,492.00 (+55.53%)
2023	$4,174.00 (+4.12%) Homeowner's exemption	$277,501 (+3%)	$371,757 (+17.2%) Land $125,000 Building $246,757
2022	$4,009.00 Homeowner's exemption	$269,418	$317,199 Land $110,000 Building $207,199

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 13219 Charfield St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 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

Wildfire risk around 13219 Charfield St is moderate, ranking above 50% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 50% of the US · lower than 79% 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 263 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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