1806 Down Lake Dr, Windermere, FL 34786 Property Records

Orange County property record for 1806 Down Lake Dr, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,486 sqft · built 1986
Lot Size	0.999 acres (43,509 sqft)
Owner	2 Individual Names on Record
Last Sale	$440,000 (Oct 2015)
Tax Bill	$7,421 (2025)
Deeds & Mortgages	Jul 2017 Line of Credit Jul 2019 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`05-23-28-4818-00-070`

Property Details

APN / Parcel Number

Primary APN	`05-23-28-4818-00-070`
Alternative APNs	`282305481800070` `274617` `279461` `283617`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,486 sqft Living Area
Gross Area	3,953 sqft
1st Floor Area	2,486 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,509 sqft (0.999 acres)
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	531 sqft
Storage Building	450 sqft
Utility Building	384 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1806 DOWN LAKE DR
City	WINDERMERE
State	FL
Zip	34786-7905
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-CE
Legal Description	THE LAKES 11/12 LOT 7
Legal Range	28E
Legal Township	23S
Legal Section	05
Legal Subdivision	LAKES
Legal Tract	4818
Legal Lot Number	7
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	2 Individual Names on Record
Mailing Address	1806 DOWN LAKE DR, WINDERMERE, FL 34786-7905
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 25, 2017	Deed of Trust, Mortgage · Line of Credit SEACOAST NATIONAL BANK
Jul 8, 2019	Loan Modification, Mortgage · Conventional Mortgage SEACOAST NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 5, 2015 · Amount on Record
Deed Sale	Oct 5, 2015 · Amount on Record
Deed Document Number	2015516242
Deed Book / Page	10992 / 3153
Record Updated	Jun 8, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1806 DOWN LAKE DR, WINDERMERE, FL 34786-7905
Transaction Type	Mortgage
Record Updated	Jan 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000413685
Date	Jul 25, 2017
Instrument	20170413685

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank
Address	STUART, FL 34995

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jul 18, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ORANGE FL
Property Address	1806 DOWN LAKE DR, WINDERMERE, FL 34786-7905
Document Number	0000441779
Instrument Date	Jul 8, 2019
Transaction Type	Mortgage
Record Updated	Aug 7, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1806 DOWN LAKE DR WINDERMERE FL 347867905, WINDERMERE, FL 34786-7905

Mortgage

Document Number	0000441779
Date	Jul 18, 2019
Instrument	441779

Lender

Name	SEACOAST NAT'L BK
Type	Bank
Address	STUART, FL 34995

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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		$468,229 (+2.7%)	$599,850 (-2.28%) Land $195,000 Building $404,850
2025	$7,421.00 (+4.39%) Homeowner's exemption	$455,919 (+5.99%)	$613,820 (+14.95%) Land $195,000 Building $418,820
2024	$7,109.00 (+7.35%)
2023	$6,622.00 (+3.57%) Homeowner's exemption	$430,165 (+3%)	$534,004 (+16.14%) Land $195,000 Building $339,004
2022	$6,394.00 Homeowner's exemption	$417,636	$459,776 Land $195,000 Building $264,776

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
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 98% of the US · lower than 97.6% 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 66 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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