1727 Down Lake Dr, Windermere, FL 34786 Property Records

Orange County property record for 1727 Down Lake Dr, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,238 sqft · built 1989
Lot Size	1 acres (43,638 sqft)
Owner	Individual Name on Record
Last Sale	$1,000,000 (Mar 2023)
Tax Bill	$12,575 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-23-28-4818-00-370`

Property Details

APN / Parcel Number

Primary APN	`05-23-28-4818-00-370`
Alternative APNs	`282305481800370` `274654` `279498` `283654`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,238 sqft Living Area
Gross Area	4,329 sqft
1st Floor Area	2,943 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,638 sqft (1 acres)
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	4 Parking Spaces
Porch	Florida Room
Porch Area	436 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1727 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 37
Legal Range	28E
Legal Township	23S
Legal Section	05
Legal Subdivision	LAKES
Legal Tract	4818
Legal Lot Number	37
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 April 30, 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	520 BRICKELL BAY DR APT 1803, 1803, MIAMI, FL 33131
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 13, 2023	Warranty Deed, Transfer · Conventional Mortgage PATRIOT HOME MORTGAGE
Jan 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 13, 2023 · Amount on Record
Deed Sale	Mar 13, 2023 · Amount on Record
Prior Sale	Sep 10, 2007 · Amount on Record
Deed Document Number	2023141702
Prior Transfer Date	Apr 18, 2022
Prior Transfer Doc	0000253749
Record Updated	Oct 29, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Mar 13, 2023
Property Address	1727 DOWN LAKE DR, WINDERMERE, FL 34786-7904
Document Number	0000141702
Map Reference	MB 11 PG 12&13
Instrument Date	Mar 8, 2023
Instrument	20230141702
Transaction Type	Transfer
Record Updated	Mar 24, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,000.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1727 DOWN LAKE DR, WINDERMERE, FL 34786-7904

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 BRICKELL KEY DR # 1803, 1803, MIAMI, FL 33131-2660

Mortgage

Document Number	0000141703
Date	Mar 13, 2023
Instrument	20230141703

Lender

Name	PATRIOT HOME MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

Mortgage

Document Number	0000141704
Date	Mar 13, 2023
Instrument	20230141704

Lender

Name	GEORGIAS OWN CU
Type	Credit Union
Address	ATLANTA, GA 30303

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 12, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1727 DOWN LAKE DR, WINDERMERE, FL 34786-7904
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1727 DOWN LAKE DR, WINDERMERE, FL 34786-7904

Mortgage

Document Number	0000018765
Date	Jan 11, 2021
Instrument	20210018765

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

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

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		$802,828 (+2.7%)	$904,745 (-1.22%) Land $195,000 Building $709,745
2025	$12,575.00 (+8.1%) Homeowner's exemption	$781,722 (+94.17%)	$915,960 (+51.73%) Land $195,000 Building $720,960
2024	$11,633.00 (+90.74%)
2023	$6,099.00 (+3.64%) Homeowner's exemption	$402,591 (+3%)	$603,679 (+19.29%) Land $195,000 Building $408,679
2022	$5,885.00 Homeowner's exemption	$390,865	$506,047 Land $195,000 Building $311,047

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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