Orange County property record for 13540 Darchance Rd, Windermere, FL 34786
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,026 sqft · built 2007 |
| Lot Size | 0.23 acres (10,025 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $400,000 (Feb 2007) |
| Tax Bill | $5,371 (2025) |
| Deeds & Mortgages | Sep 2023 Line of Credit Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-23-27-1612-01-840 |
| Primary APN | 26-23-27-1612-01-840 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,026 sqft Living Area |
| Gross Area | 4,315 sqft |
| 1st Floor Area | 2,337 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,025 sqft (0.23 acres) |
| Garage Type | Attached |
| Garage Area | 657 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 511 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 13540 DARCHANCE RD |
|---|---|
| City | WINDERMERE |
| State | FL |
| Zip | 34786-6305 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | P-D |
| Legal Description | ENCLAVE AT BERKSHIRE PARK 65/124 LOT 184 |
| Legal Range | 27E |
| Legal Township | 23S |
| Legal Section | 26 |
| Legal Subdivision | ENCLAVE AT BERKSHIRE PARK |
| Legal Tract | 1612 |
| Legal Block | 1 |
| Legal Lot Number | 184 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 17112 |
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 | 13540 DARCHANCE RD, WINDERMERE, FL 34786-6305 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 1, 2023 | Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK |
| Sep 3, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 20, 2007 · Amount on Record |
| Deed Sale | Feb 20, 2007 · Amount on Record |
| Deed Document Number | 2007108777 |
| Deed Book / Page | 9120 / 1854 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 13540 DARCHANCE RD, WINDERMERE, FL 34786-6305 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2023 |
| Name | Verified Name |
|---|---|
| Address | 13540 DARCHANCE RD, WINDERMERE, FL 34786-6305 |
| Document Number | 0000501830 |
|---|---|
| Date | Sep 1, 2023 |
| Instrument | 20230501830 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | LONGWOOD, FL 32750 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Aug 25, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 13540 DARCHANCE RD, WINDERMERE, FL 34786-6305 |
| Document Number | 0000498512 |
| Instrument Date | Sep 3, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 9, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 13540 DARCHANCE RD WINDERMERE FL 347866305, WINDERMERE, FL 34786-6305 |
| Document Number | 0000498512 |
|---|---|
| Date | Sep 24, 2020 |
| Instrument | 498512 |
| Name | UNITED WHOLESALE MTG |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 23, 2050 |
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 | $342,178 (+2.7%) | $584,820 (-1.24%) Land $125,000 Building $459,820 | |
| 2025 | $5,371.00 (+5.25%) Homeowner's exemption | $333,182 (+5.99%) | $592,180 (+10.35%) Land $125,000 Building $467,180 |
| 2024 | $5,103.00 (+7.52%) | ||
| 2023 | $4,746.00 (+3.94%) Homeowner's exemption | $314,361 (+3%) | $536,636 (+17.77%) Land $125,000 Building $411,636 |
| 2022 | $4,566.00 Homeowner's exemption | $305,205 | $455,678 Land $110,000 Building $345,678 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 66% of the US · above 43% 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 75 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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