13251 Zori Ln, Windermere, FL 34786 Property Records

Orange County property record for 13251 Zori Ln, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,813 sqft · built 2004
Lot Size	0.202 acres (8,790 sqft)
Owner	2 Individual Names on Record
Last Sale	$357,000 (Jul 2018)
Tax Bill	$9,027 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-23-27-6420-00-420`

Property Details

APN / Parcel Number

Primary APN	`23-23-27-6420-00-420`
Alternative APNs	`272323642000420` `144742` `145914` `148035`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,813 sqft Living Area
Gross Area	3,844 sqft
1st Floor Area	2,813 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,790 sqft (0.202 acres)
Garage Type	Attached
Garage Area	567 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	464 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	13251 ZORI LN
City	WINDERMERE
State	FL
Zip	34786-7303
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	PROVIDENCE PH 1 50/3 LOT 42
Legal Range	27E
Legal Township	23S
Legal Section	23
Legal Subdivision	PROVIDENCE PH 1
Legal Phase	1
Legal Tract	6420
Legal Lot Number	42
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1004
Census Tract	17112

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	2207 KESTREL CT, WEST WINDSOR, NJ 08550-5433
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage MLD MORTGAGE
Jul 16, 2018	Warranty Deed, Transfer · Conventional Mortgage MLD MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2018 · Amount on Record
Deed Sale	Jul 16, 2018 · Amount on Record
Prior Sale	Jul 22, 2009 · Amount on Record
Deed Document Number	2018417017
Prior Transfer Date	Dec 5, 2008
Prior Transfer Doc	0000734685
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	13251 ZORI LN, WINDERMERE, FL 34786-7303
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13251 ZORI LN, WINDERMERE, FL 34786-7303

Mortgage

Document Number	0000072807
Date	Feb 8, 2021
Instrument	20210072807

Lender

Name	MLD MORTGAGE
Type	Mortgage Company
Address	FLORHAM PARK, NJ 07932

Agreement

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

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jul 16, 2018
Property Address	13251 ZORI LN, WINDERMERE, FL 34786-7303
Document Number	0000417017
Map Reference	MB 50 PG 3-12
Instrument Date	Jul 12, 2018
Instrument	20180417017
Transaction Type	Transfer
Record Updated	Aug 1, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,499.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3517 MOTT LN, 3517, WILLIAMSBURG, VA 23185-1468

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2207 KESTREL CT, WEST WINDSOR, NJ 08550-5433

Mortgage

Document Number	0000417018
Date	Jul 16, 2018
Instrument	20180417018

Lender

Name	MLD MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2033

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		$542,523 (+1%)	$545,390 (-1.34%) Land $95,000 Building $450,390
2025	$9,027.00 (+8.08%)	$493,203 (-0.05%)	$552,770 (+12.02%) Land $95,000 Building $457,770
2024	$8,352.00 (+12.7%)
2023	$7,411.00 (+11.97%)	$493,446 (+15.04%) Land $90,250 Building $403,196	$493,446 (+15.04%) Land $90,250 Building $403,196
2022	$6,619.00	$428,937 Land $90,250 Building $338,687	$428,937 Land $90,250 Building $338,687

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 40 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	40 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	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	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 223 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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