1625 Down Lake Dr, Windermere, FL 34786 Property Records

Orange County property record for 1625 Down Lake Dr, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	5 bd · 5.5 ba · 3,300 sqft · built 1984
Lot Size	1 acres (43,543 sqft)
Owner	Individual Name on Record
Last Sale	$1,318,000 (May 2026)
Tax Bill	$11,274 (2025)
Deeds & Mortgages	May 2026 Sale Feb 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-23-28-4818-00-400`

Property Details

APN / Parcel Number

Primary APN	`05-23-28-4818-00-400`
Alternative APNs	`282305481800400` `274657` `279502` `283657`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,300 sqft Living Area
Gross Area	4,643 sqft
1st Floor Area	2,831 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2010
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,543 sqft (1 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	732 sqft
Gazebo	Gazebo
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1625 DOWN LAKE DR
City	WINDERMERE
State	FL
Zip	34786-7904
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-CE
Legal Description	THE LAKES 11/12 LOT 40
Legal Range	28E
Legal Township	23S
Legal Section	05
Legal Subdivision	LAKES
Legal Tract	4818
Legal Lot Number	40
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1006
Census Tract	14814

Owner

Source: Orange County records, as of May 12, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1625 DOWN LAKE DR, WINDERMERE, FL 34786-7904
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 4, 2026	Warranty Deed, Transfer ALEX TITLE, APEX TITLE
Feb 4, 2021	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Feb 4, 2021	Deed of Trust, Mortgage · Line of Credit TRUIST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2026 · Amount on Record
Deed Sale	May 4, 2026 · Amount on Record
Prior Sale	Nov 2, 2016 · Amount on Record
Deed Document Number	2026252797
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	May 4, 2026
Property Address	1625 DOWN LAKE DR, WINDERMERE, FL 34786-7904
Document Number	0000252797
Instrument Date	May 1, 2026
Instrument	2026.252797
Transaction Type	Transfer
Record Updated	May 13, 2026
Title Company	ALEX TITLE, APEX TITLE

Transaction

Amount	Amount Recorded
Tax	$931,826.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1625 DOWN LAKE DR, WINDERMERE, FL 34786-7904
Investor	Possibly a Property Investor

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1625 DOWN LAKE DR, WINDERMERE, FL 34786-7904
Transaction Type	Mortgage
Record Updated	Sep 13, 2023
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1625 DOWN LAKE DR, WINDERMERE, FL 34786-7904

Mortgage

Document Number	0000069223
Date	Feb 4, 2021
Instrument	20210069223

Lender

Name	TRUIST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 3, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1625 DOWN LAKE DR, WINDERMERE, FL 34786-7904
Transaction Type	Mortgage
Record Updated	Feb 26, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1625 DOWN LAKE DR, WINDERMERE, FL 34786-7904

Mortgage

Document Number	20210069223
Date	Feb 4, 2021
Instrument	20210069223

Lender

Name	TRUIST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 3, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$720,021 (+2.7%)	$966,890 (-1.32%) Land $195,000 Building $771,890
2025	$11,274.00 (+3.83%) Homeowner's exemption	$701,092 (+5.99%)	$979,820 (+18.06%) Land $195,000 Building $784,820
2024	$10,858.00 (+7.36%)
2023	$10,114.00 (+3.28%) Homeowner's exemption	$661,488 (+3%)	$829,907 (+20.61%) Land $195,000 Building $634,907
2022	$9,793.00 Homeowner's exemption	$642,221	$688,084 Land $195,000 Building $493,084

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 37 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	37 in force
Nearby Flood Claims	2 (2022–2024)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 2024 · Hurricane Milton

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	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% 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 241 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area	2,000 / 1,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Hotwire Communications.

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