17544 Black Rail St, Windermere, FL 34786 Property Records

Orange County property record for 17544 Black Rail St, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,932 sqft · built 2016
Lot Size	0.207 acres (9,000 sqft)
Owner	2 Individual Names on File
Last Sale	$665,500 (Mar 2016)
Tax Bill	$10,616 (2025)
Deeds & Mortgages	Dec 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`30-23-28-2465-00-720`

Property Details

APN / Parcel Number

Primary APN	`30-23-28-2465-00-720`
Alternative APNs	`282330246500720` `294728` `299577` `303743`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,932 sqft Living Area
Gross Area	5,828 sqft
1st Floor Area	2,098 sqft
Basement Area	171 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	9,000 sqft (0.207 acres)
Garage Type	Attached
Garage Area	812 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	153 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	17544 BLACK RAIL ST
City	WINDERMERE
State	FL
Zip	34786-4108
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	ENCLAVE 82/122 LOT 72
Legal Range	28E
Legal Township	23S
Legal Section	30
Legal Subdivision	ENCLAVE
Legal Tract	2465
Legal Lot Number	72
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1010
Census Tract	17108

Owner

17544 Black Rail St is owned and occupied by two individuals who bought it in March 2016.

Source: Orange County records, as of May 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	17544 BLACK RAIL ST, WINDERMERE, FL 34786-4108
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2016 · Amount on File
Deed Sale	Mar 31, 2016 · Amount on File
Deed Document Number	2016163004
Record Updated	Jun 8, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	17544 BLACK RAIL ST, WINDERMERE, FL 34786-4108
Transaction Type	Mortgage
Record Updated	Jan 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000657023
Date	Dec 1, 2017
Instrument	20170657023

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	341 Months
Due	May 16, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 17544 Black Rail St was $10,616, up 3.7% from the year before.

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		$663,283 (+2.7%)	$1,021,120 (-1.32%) Land $150,000 Building $871,120
2025	$10,616.00 (+3.73%) Homeowner's exemption	$645,845	$1,034,820 Land $150,000 Building $884,820
2024	$10,234.00 (+7.38%)
2023	$9,531.00 (+3.45%) Homeowner's exemption	$609,362 (+3%)	$932,854 (+30.64%) Land $150,000 Building $782,854
2022	$9,213.00 Homeowner's exemption	$591,614	$714,057 Land $115,000 Building $599,057

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 17544 Black Rail St in Zone X, an area of minimal flood risk, though there have been 14 flood claims nearby since 1994.

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 File median of 33 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	33 in force
Nearby Flood Claims	14 (1994–2017)
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Frances, Sep 2004 · 7 claims

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

Wildfire risk around 17544 Black Rail St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 255 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20