13972 Darchance Rd, Windermere, FL 34786 Property Records

Orange County property record for 13972 Darchance Rd, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,147 sqft · built 2007
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$274,000 (Feb 2016)
Tax Bill	$4,710 (2025)
Deeds & Mortgages	Nov 2023 Second Mortgage Oct 2023 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-23-27-1612-00-890`

Property Details

APN / Parcel Number

Primary APN	`26-23-27-1612-00-890`
Alternative APNs	`272326161200890` `148830` `149997` `152118`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,147 sqft Living Area
Gross Area	2,942 sqft
1st Floor Area	2,147 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,000 sqft (0.138 acres)
Garage Type	Attached
Garage Area	449 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	346 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	13972 DARCHANCE RD
City	WINDERMERE
State	FL
Zip	34786-6311
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	ENCLAVE AT BERKSHIRE PARK 65/124 LOT 89
Legal Range	27E
Legal Township	23S
Legal Section	26
Legal Subdivision	ENCLAVE AT BERKSHIRE PARK
Legal Tract	1612
Legal Lot Number	89
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2025
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	13972 DARCHANCE RD, WINDERMERE, FL 34786-6311
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PARTNERS FCU
Oct 12, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PARTNERS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 19, 2016 · Amount on Record
Deed Sale	Feb 19, 2016 · Amount on Record
Prior Sale	Oct 17, 2007 · Amount on Record
Deed Document Number	201686753
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	13972 DARCHANCE RD, WINDERMERE, FL 34786-6311
Transaction Type	Mortgage
Record Updated	Dec 7, 2023
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13972 DARCHANCE RD, WINDERMERE, FL 34786-6311

Mortgage

Document Number	0000654415
Date	Nov 9, 2023
Instrument	20230654415

Lender

Name	PARTNERS FCU
Type	Credit Union
Address	ORLANDO, FL 32821

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Oct 16, 2038

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	13972 DARCHANCE RD, WINDERMERE, FL 34786-6311
Transaction Type	Mortgage
Record Updated	Oct 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13972 DARCHANCE RD, WINDERMERE, FL 34786-6311

Mortgage

Document Number	0000591301
Date	Oct 12, 2023
Instrument	20230591301

Lender

Name	PARTNERS FCU
Type	Credit Union
Address	ORLANDO, FL 32821

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 16, 2038

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		$300,132 (+2.7%)	$455,980 (-1.15%) Land $125,000 Building $330,980
2025	$4,710.00 (+5.61%) Homeowner's exemption	$292,241 (+5.99%)	$461,290 (+9.51%) Land $125,000 Building $336,290
2024	$4,460.00 (+7.55%)
2023	$4,147.00 (+4.14%) Homeowner's exemption	$275,733 (+3%)	$421,250 (+17.41%) Land $125,000 Building $296,250
2022	$3,982.00 Homeowner's exemption	$267,702	$358,795 Land $110,000 Building $248,795

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 AE, 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 58% of the US · lower than 69% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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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