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13321 Charfield St, Windermere, FL 34786 Property Records

Orange County property record for 13321 Charfield St, Windermere, FL 34786

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,706 sqft · built 2008
Owner2 Trust Names on File
Last Sale$379,000 (Sep 2021)
Tax Bill$6,539 (2025)
Deeds & MortgagesSep 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN26-23-27-4763-00-020

Property Details

APN / Parcel Number

Primary APN26-23-27-4763-00-020
Alternative APNs
  • 272326476300020
  • 149214
  • 150383
  • 152502

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,706 sqft Living Area
Gross Area2,546 sqft
1st Floor Area1,706 sqft

Exterior

Year BuiltBuilt 2008
Effective Year BuiltEffective 2008
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Garage TypeAttached
Garage Area416 sqft
PorchFlorida Room

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address13321 CHARFIELD ST
CityWINDERMERE
StateFL
Zip34786-6388
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeP-D
Legal DescriptionLAKE SAWYER SOUTH PHASE 2 68/86 LOT 2
Legal SubdivisionLAKE SAWYER SOUTH PH 2
Legal Lot Number2
JurisdictionORANGE FL
Township / Civil DivisionSOUTHWEST ORANGE
Census Block Group2
Census Block2041
Census Tract17112

Owner

13321 Charfield St is held in a trust since September 2021.

Source: Orange County records, as of April 30, 2026

Owner of Record2 Trust Names on File
Mailing Address3225 MCLEOD DR, 777, LAS VEGAS, NV 89121-2257
Owner TypeCompany
VestingTrust

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

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 20, 2021 · Amount on File
Deed SaleSep 20, 2021 · Amount on File
Deed Document Number2021569515
Record UpdatedOct 29, 2026

September 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionORANGE FL
Recording DateSep 20, 2021
Property Address13321 CHARFIELD ST, WINDERMERE, FL 34786-6388
Document Number0000569515
Map ReferenceMB 68 PG 86-90
Instrument DateAug 26, 2021
Instrument20210569515
Transaction TypeTransfer
Record UpdatedMar 16, 2023
Title CompanyARTESIAN TITLE, ARTESIAN TITLE INC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,653.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address311 MAGNOLIA ST, ALTAMONTE SPRINGS, FL 32701-2063

Transferred To (Grantee/Buyer)

NameVerified Name
Address13321 CHARFIELD ST, WINDERMERE, FL 34786-6388

Mortgage

Document Number0000569516
DateSep 20, 2021
Instrument20210569516
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueSep 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 13321 Charfield St was $6,539, down 3.5% from the year before.

Source: Orange County assessment roll, as of April 30, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOrange County
Unified School DistrictOrange County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$401,190 (-1.08%) Land $125,000 Building $276,190$401,190 (-1.08%) Land $125,000 Building $276,190
2025$6,539.00 (-3.53%)$405,590 Land $125,000 Building $280,590$405,590 Land $125,000 Building $280,590
2024$6,778.00 (+12.03%)
2023$6,050.00 (+12.58%)$372,208 (+17.2%) Land $125,000 Building $247,208$372,208 (+17.2%) Land $125,000 Building $247,208
2022$5,374.00$317,596 Land $110,000 Building $207,596$317,596 Land $110,000 Building $207,596

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

Flood

FEMA maps place 13321 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 84 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies84 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 13321 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 RiskModerate
above 50% of the US · lower than 79% of Florida
Wildfire Likelihood0.1% annual chance
ExposureIndirect
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 SystemOCUD/SOUTHERN WATER SYS (5 WPS)
serves 80,738 people · EPA ID FL3484119
Water SourceGroundwater
Last State InspectionMay 2024
Lead2 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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