Orange County property record for 13409 Chariho Ln, Windermere, FL 34786
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,277 sqft · built 2005 |
| Lot Size | 0.212 acres (9,217 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $324,900 (Jan 2018) |
| Tax Bill | $5,078 (2025) |
| Deeds & Mortgages | Sep 2023 Line of Credit Sep 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 35-23-27-5432-00-580 |
| Primary APN | 35-23-27-5432-00-580 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,277 sqft Living Area |
| Gross Area | 3,629 sqft |
| 1st Floor Area | 1,192 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,217 sqft (0.212 acres) |
| Garage Type | Attached |
| Garage Area | 660 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 500 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 13409 CHARIHO LN |
|---|---|
| City | WINDERMERE |
| State | FL |
| Zip | 34786-6723 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | P-D |
| Legal Description | LAKES OF WINDERMERE-PEACHTREE 55/20 LOT 58 |
| Legal Range | 27E |
| Legal Township | 23S |
| Legal Section | 35 |
| Legal Subdivision | LAKES OF WINDERMERE-PEACHTREE |
| Legal Tract | 5432 |
| Legal Lot Number | 58 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 17112 |
13409 Chariho Ln is owned by a company that bought it in January 2018.
Source: Orange County records, as of May 4, 2026
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 13409 CHARIHO LN, WINDERMERE, FL 34786-6723 |
| Owner Type | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 14, 2023 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Sep 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN LIBERTY MTG |
| Jan 10, 2018 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN LIBERTY MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 10, 2018 · Amount on File |
| Deed Sale | Jan 10, 2018 · Amount on File |
| Prior Sale | May 6, 2015 · Amount on File |
| Deed Document Number | 201821040 |
| Prior Transfer Date | May 21, 2009 |
| Prior Transfer Doc | 0000291424 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 13409 CHARIHO LN, WINDERMERE, FL 34786-6723 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2023 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 13409 CHARIHO LN, WINDERMERE, FL 34786-6723 |
| Document Number | 0000527154 |
|---|---|
| Date | Sep 14, 2023 |
| Instrument | 20230527154 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Aug 28, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 13409 CHARIHO LN, WINDERMERE, FL 34786-6723 |
| Document Number | 0000502545 |
| Instrument Date | Sep 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 13409 CHARIHO LN WINDERMERE FL 347866723, WINDERMERE, FL 34786-6723 |
| Document Number | 0000502545 |
|---|---|
| Date | Sep 28, 2020 |
| Instrument | 502545 |
| Name | AMERICAN LIBERTY MTG |
|---|---|
| Type | Mortgage Company |
| Address | DENVER, CO 80211 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 27, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Jan 10, 2018 |
| Property Address | 13409 CHARIHO LN, WINDERMERE, FL 34786-6723 |
| Document Number | 0000021040 |
| Map Reference | MB 55 PG 20-25 |
| Instrument Date | Jan 5, 2018 |
| Instrument | 20180021040 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2022 |
| Title Company | SUNBELT TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,274.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 13409 CHARIHO LN, 13409, WINDERMERE, FL 34786-6723 |
| Name | Verified Name |
|---|---|
| Address | 13409 CHARIHO LN, WINDERMERE, FL 34786-6723 |
| Document Number | 0000021041 |
|---|---|
| Date | Jan 10, 2018 |
| Instrument | 20180021041 |
| Name | AMERICAN LIBERTY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2048 |
The 2025 property tax bill for 13409 Chariho Ln was $5,078, up 4.9% from the year before.
Source: Orange County assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Unified School District | Orange County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $339,296 (+2.7%) | $515,500 (-1.14%) Land $150,000 Building $365,500 | |
| 2025 | $5,078.00 (+4.94%) Homeowner's exemption | $330,376 | $521,450 Land $150,000 Building $371,450 |
| 2024 | $4,839.00 (+7.32%) | ||
| 2023 | $4,509.00 (+3.68%) Homeowner's exemption | $311,714 (+3%) | $447,073 (+16.21%) Land $120,000 Building $327,073 |
| 2022 | $4,349.00 Homeowner's exemption | $302,635 | $384,721 Land $110,000 Building $274,721 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 13409 Chariho Ln 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 39 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 39 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 risk around 13409 Chariho Ln is moderate, ranking above 68% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 68% of the US · above 48% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 194 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures