13327 Charfield St, Windermere, FL 34786 Property Records

Orange County property record for 13327 Charfield St, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	5 bd · 5.5 ba · 3,357 sqft · built 2010
Lot Size	0.206 acres (8,974 sqft)
Owner	2 Individual Names on Record
Last Sale	$735,000 (Mar 2023)
Tax Bill	$10,704 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-23-27-4763-00-010`

Property Details

APN / Parcel Number

Primary APN	`26-23-27-4763-00-010`
Alternative APNs	`272326476300010` `149213` `150381` `152501`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,357 sqft Living Area
Gross Area	4,954 sqft
1st Floor Area	1,988 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,974 sqft (0.206 acres)
Garage Type	Attached
Garage Area	764 sqft
Parking Spaces	3 Parking Spaces
Porch	Florida Room
Porch Area	592 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	13327 CHARFIELD ST
City	WINDERMERE
State	FL
Zip	34786-6388
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	LAKE SAWYER SOUTH PHASE 2 68/86 LOT 1
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	1
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2041
Census Tract	17112

Owner

Source: Orange County records, as of April 30, 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	13327 CHARFIELD ST, WINDERMERE, FL 34786-6388
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2023	Deed of Trust, Mortgage · Conventional Mortgage FAIRWINDS CU
Mar 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC
Oct 11, 2017	Warranty Deed, Transfer · Conventional with PMI PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2023 · Amount on Record
Deed Sale	Mar 31, 2023 · Amount on Record
Prior Sale	Oct 11, 2017 · Amount on Record
Deed Document Number	2023180741
Prior Transfer Date	Mar 10, 2020
Prior Transfer Doc	0000178303
Record Updated	Jun 8, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	13327 CHARFIELD ST, WINDERMERE, FL 34786-6388
Transaction Type	Mortgage
Record Updated	Apr 11, 2023
Title Company	WEST ORANGE TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4767 BLUE MAJOR DR, WINDERMERE, FL 34786-3195

Mortgage

Document Number	0000180742
Date	Mar 31, 2023
Instrument	20230180742

Lender

Name	FAIRWINDS CU
Type	Credit Union
Address	ORLANDO, FL 32826

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	13327 CHARFIELD ST, WINDERMERE, FL 34786-6388
Document Number	0000178304
Instrument Date	Mar 4, 2020
Transaction Type	Mortgage
Record Updated	Apr 24, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	13327 CHARFIELD ST WINDERMERE FL 347866388, WINDERMERE, FL 34786-6388

Mortgage

Document Number	0000178304
Date	Mar 20, 2020
Instrument	178304

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 19, 2050

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Oct 11, 2017
Property Address	13327 CHARFIELD ST, WINDERMERE, FL 34786-6388
Document Number	0000555523
Instrument Date	Oct 6, 2017
Instrument	555523
Transaction Type	Transfer
Record Updated	Sep 10, 2019
Title Company	TITLE AND ABSTRACT AGENCY/AMERICA, TITLE & ABSTRACT AGCY/AMERICA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,870.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13327 CHARFIELD ST WINDERMERE FL 347866388, WINDERMERE, FL 34786-6388

Mortgage

Document Number	555524
Date	Oct 11, 2017
Instrument	555524

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 10, 2047

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		$656,390 (-1.1%) Land $125,000 Building $531,390	$656,390 (-1.1%) Land $125,000 Building $531,390
2025	$10,704.00 (-1.12%)	$663,670 (+71%) Land $125,000 Building $538,670	$663,670 (+10.72%) Land $125,000 Building $538,670
2024	$10,825.00 (+83.82%)
2023	$5,889.00 (+3.7%) Homeowner's exemption	$388,113 (+3%)	$599,395 (+17.92%) Land $125,000 Building $474,395
2022	$5,679.00 Homeowner's exemption	$376,809	$508,310 Land $110,000 Building $398,310

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 A, 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 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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