13225 Charfield St, Windermere, FL 34786 Property Records

Orange County property record for 13225 Charfield St, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,413 sqft · built 2008
Lot Size	0.138 acres (5,997 sqft)
Owner	2 Individual Names on File
Last Sale	$649,000 (Oct 2025)
Tax Bill	$6,504 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Aug 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`26-23-27-4763-00-100`

Property Details

APN / Parcel Number

Primary APN	`26-23-27-4763-00-100`
Alternative APNs	`272326476300100` `149223` `150393` `152511`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,413 sqft Living Area
Gross Area	3,568 sqft
1st Floor Area	1,192 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
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	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	500 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	13225 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 10
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	10
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2040
Census Tract	17112

Owner

13225 Charfield St is owned and occupied by two individuals who bought it in October 2025.

Source: Orange County records, as of June 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	13225 CHARFIELD ST, WINDERMERE, FL 34786-6372
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLEXPOINT INC
Aug 13, 2024	Deed of Trust, Mortgage THIRD FSLA OF CLEVELAND
Oct 22, 2025	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Nov 6, 2019	Warranty Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Oct 8, 2019	Warranty Deed, Transfer OPENDOOR TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 22, 2025 · Amount on File
Deed Sale	Oct 22, 2025 · Amount on File
Prior Sale	Nov 6, 2019 · Amount on File
Deed Document Number	2025612008
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	13225 CHARFIELD ST, WINDERMERE, FL 34786-6372
Transaction Type	Mortgage
Record Updated	Nov 27, 2025
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13225 CHARFIELD ST, WINDERMERE, FL 34786-6372

Mortgage

Document Number	0000522693
Date	Aug 26, 2021
Instrument	20210522693

Lender

Name	FLEXPOINT INC
Type	Mortgage Company
Address	92826

Agreement

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

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	13225 CHARFIELD ST, WINDERMERE, FL 34786-6372
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13225 CHARFIELD ST, WINDERMERE, FL 34786-6372

Mortgage

Document Number	0000469456
Date	Aug 13, 2024
Instrument	20240469456

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Amount	Amount on Record
Term	120 Months
Due	Aug 7, 2034

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Oct 22, 2025
Property Address	13225 CHARFIELD ST, WINDERMERE, FL 34786-6372
Document Number	0000612008
Map Reference	MB 68 PG 86-90
Instrument Date	Oct 10, 2025
Instrument	20250612008
Transaction Type	Transfer
Record Updated	Nov 27, 2025
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,543.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	234 CAMPLIA AVE, DAVENPORT, FL 33897

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000612009
Date	Oct 22, 2025
Instrument	20250612009

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	7.37%
Type Change Date	Nov 1, 2030
Change Frequency	6 Months
Min Rate At Change	7.37%
Max Rate At Change	9.37%
Index	SOFR Average 30-Day
Max Rate	12.3%

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Nov 6, 2019
Property Address	13225 CHARFIELD ST, WINDERMERE, FL 34786-6372
Document Number	0000695879
Map Reference	MB 68 PG 86-90
Instrument Date	Oct 30, 2019
Instrument	20190695879
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	OPENDOOR TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,730.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1 POST ST FL 11, 1, SAN FRANCISCO, CA 94104-5215

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13225 CHARFIELD ST, WINDERMERE, FL 34786-6372

Mortgage

Document Number	0000695880
Date	Nov 6, 2019
Instrument	20190695880

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2049

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Oct 8, 2019
Property Address	13225 CHARFIELD ST, WINDERMERE, FL 34786-6372
Document Number	0000625866
Instrument Date	Oct 1, 2019
Instrument	625866
Transaction Type	Transfer
Record Updated	Oct 23, 2019
Title Company	OPENDOOR TITLE LLC

Transaction

Amount	Amount on Record
Tax	$2,676.10
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1 POST ST #11 SAN FRANCISCO CA 941045215, 11, SAN FRANCISCO, CA 94104-5215
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 13225 Charfield St was $6,504, up 4.8% 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		$547,060 (+35.61%) Land $125,000 Building $422,060	$547,060 (-1.36%) Land $125,000 Building $422,060
2025	$6,504.00 (+4.82%) Homeowner's exemption	$403,403	$554,580 Land $125,000 Building $429,580
2024	$6,205.00 (+7.48%)
2023	$5,773.00 (+3.72%) Homeowner's exemption	$380,616 (+3%)	$492,056 (+16.22%) Land $125,000 Building $367,056
2022	$5,566.00 Homeowner's exemption	$369,530	$423,395 Land $110,000 Building $313,395

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

Flood

FEMA maps place 13225 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 13225 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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