13998 Darchance Rd, Windermere, FL 34786 Property Records

Orange County property record for 13998 Darchance Rd, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,408 sqft · built 2007
Lot Size	0.192 acres (8,375 sqft)
Owner	2 Individual Names on Record
Last Sale	$459,900 (Mar 2021)
Tax Bill	$7,136 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Mar 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-23-27-4762-00-810`

Property Details

APN / Parcel Number

Primary APN	`26-23-27-4762-00-810`
Alternative APNs	`272326476200810` `149064` `150234` `152353`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,408 sqft Living Area
Gross Area	3,563 sqft
1st Floor Area	1,192 sqft
Flooring	Wood
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	8,375 sqft (0.192 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	500 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	13998 DARCHANCE RD
City	WINDERMERE
State	FL
Zip	34786-6312
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	LAKE SAWYER SOUTH PHASE 1 67/1 LOT 81
Legal Range	27E
Legal Township	23S
Legal Section	26
Legal Subdivision	LAKE SAWYER SOUTH PH 1
Legal Phase	1
Legal Tract	4762
Legal Lot Number	81
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2034
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	13998 DARCHANCE RD, WINDERMERE, FL 34786-6312
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2021	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Mar 24, 2021	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jul 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE EQUITY PTRS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2021 · Amount on Record
Deed Sale	Mar 24, 2021 · Amount on Record
Prior Sale	Dec 28, 2007 · Amount on Record
Deed Document Number	2021169490
Record Updated	Oct 29, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Mar 24, 2021
Property Address	13998 DARCHANCE RD, WINDERMERE, FL 34786-6312
Document Number	0000169490
Map Reference	MB 67 PG 1-5
Instrument Date	Mar 19, 2021
Instrument	20210169490
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	CORNERSTONE NATIONAL TITLE COMPANY, CORNERSTONE NATIONAL TTL CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,219.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11417 WILLOW GARDENS DR, 11417, WINDERMERE, FL 34786-6021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13998 DARCHANCE RD, WINDERMERE, FL 34786-6312

Mortgage

Document Number	0000169491
Date	Mar 24, 2021
Instrument	20210169491

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

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

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Mar 24, 2021
Property Address	13998 DARCHANCE RD, WINDERMERE, FL 34786-6312
Document Number	20210169490
Map Reference	MB 67 PG 1-5
Instrument Date	Mar 19, 2021
Instrument	20210169490
Transaction Type	Transfer
Record Updated	Apr 14, 2021
Title Company	CORNERSTONE NATIONAL TTL CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,219.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11417 WILLOW GARDENS DR, 11417, WINDERMERE, FL 34786-6021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13998 DARCHANCE RD, WINDERMERE, FL 34786-6312

Mortgage

Document Number	20210169491
Date	Mar 24, 2021
Instrument	20210169491

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

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

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	13998 DARCHANCE RD, WINDERMERE, FL 34786-6312
Document Number	0000393188
Instrument Date	Jul 15, 2020
Transaction Type	Mortgage
Record Updated	Aug 7, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	13998 DARCHANCE RD WINDERMERE FL 347866312, WINDERMERE, FL 34786-6312

Mortgage

Document Number	0000393188
Date	Jul 23, 2020
Instrument	393188

Lender

Name	MORTGAGE EQUITY PTRS
Type	Mortgage Company
Address	LYNNFIELD, MA 01940

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 22, 2035

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		$454,516 (+2.7%)	$518,230 (-1.2%) Land $125,000 Building $393,230
2025	$7,136.00 (+4.63%) Homeowner's exemption	$442,567 (+5.99%)	$524,500 (+10.01%) Land $125,000 Building $399,500
2024	$6,820.00 (+7.47%)
2023	$6,346.00 (+3.63%) Homeowner's exemption	$417,567 (+3%)	$476,755 (+17.6%) Land $125,000 Building $351,755
2022	$6,124.00 Homeowner's exemption	$405,405 Land $110,000 Building $295,405	$405,405 Land $110,000 Building $295,405

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 100 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.

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