13973 Darchance Rd, Windermere, FL 34786 Property Records

Orange County property record for 13973 Darchance Rd, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,147 sqft · built 2008
Lot Size	0.138 acres (5,999 sqft)
Owner	2 Individual Names on Record
Last Sale	$265,000 (Jul 2008)
Tax Bill	$3,316 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-23-27-1612-00-580`

Property Details

APN / Parcel Number

Primary APN	`26-23-27-1612-00-580`
Alternative APNs	`272326161200580` `148791` `149959` `152079`

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 2008
Effective Year Built	Effective 2008
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,999 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	13973 DARCHANCE RD
City	WINDERMERE
State	FL
Zip	34786-6316
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	ENCLAVE AT BERKSHIRE PARK 65/124 LOT 58
Legal Range	27E
Legal Township	23S
Legal Section	26
Legal Subdivision	ENCLAVE AT BERKSHIRE PARK
Legal Tract	1612
Legal Lot Number	58
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2018
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	13973 DARCHANCE RD, WINDERMERE, FL 34786-6316
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2026	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Nov 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 21, 2020	Deed of Trust, Mortgage · Line of Credit PNC BK
May 4, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2008 · Amount on Record
Deed Sale	Jul 31, 2008 · Amount on Record
Deed Document Number	2008460613
Deed Book / Page	9738 / 5972
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	13973 DARCHANCE RD, WINDERMERE, FL 34786-6316
Transaction Type	Mortgage
Record Updated	Feb 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13973 DARCHANCE RD, WINDERMERE, FL 34786-6316

Mortgage

Document Number	0000043695
Date	Jan 23, 2026
Instrument	20260043695

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Jan 20, 2066

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	13973 DARCHANCE RD, WINDERMERE, FL 34786-6316
Transaction Type	Mortgage
Record Updated	Dec 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13973 DARCHANCE RD, WINDERMERE, FL 34786-6316

Mortgage

Document Number	20210686870
Date	Nov 9, 2021
Instrument	20210686870

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	13973 DARCHANCE RD, WINDERMERE, FL 34786-6316
Document Number	0000243271
Instrument Date	Mar 21, 2020
Transaction Type	Mortgage
Record Updated	May 14, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13973 DARCHANCE RD WINDERMERE FL 347866316, WINDERMERE, FL 34786-6316

Mortgage

Document Number	0000243271
Date	Apr 20, 2020
Instrument	243271

Lender

Name	PNC BK
Type	Bank
Address	ORLANDO, FL 32806

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Apr 19, 2060

Interest

Rate Type	Adjustable Rate

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	13973 DARCHANCE RD, WINDERMERE, FL 34786-6316
Document Number	0000309335
Instrument Date	May 4, 2019
Transaction Type	Mortgage
Record Updated	Jun 3, 2019
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13973 DARCHANCE RD WINDERMERE FL 347866316, WINDERMERE, FL 34786-6316

Mortgage

Document Number	0000309335
Date	May 17, 2019
Instrument	309335

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 16, 2049

Interest

Rate Type	Adjustable Rate

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		$211,370 (+2.7%)	$461,280 (-1.14%) Land $125,000 Building $336,280
2025	$3,316.00 (+6.86%) Homeowner's exemption	$205,813 (+5.99%)	$466,620 (+9.6%) Land $125,000 Building $341,620
2024	$3,103.00 (+7.67%)
2023	$2,882.00 (+4.76%) Homeowner's exemption	$194,187 (+3%)	$425,753 (+17.43%) Land $125,000 Building $300,753
2022	$2,751.00 Homeowner's exemption	$188,531	$362,561 Land $110,000 Building $252,561

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 64% of the US · above 41% 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.

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.

Nearby Properties on Darchance Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures