1810 Westover Reserve Blvd, Windermere, FL 34786 Property Records

Orange County property record for 1810 Westover Reserve Blvd, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 3,565 sqft · built 2000
Lot Size	0.247 acres (10,765 sqft)
Owner	2 Individual Names on Record
Last Sale	$910,000 (Jun 2023)
Tax Bill	$10,273 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-23-28-8239-00-160`

Property Details

APN / Parcel Number

Primary APN	`04-23-28-8239-00-160`
Alternative APNs	`282304823900160` `274124` `278967` `283123`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	3,565 sqft Living Area
Gross Area	4,802 sqft
1st Floor Area	2,440 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,765 sqft (0.247 acres)
Garage Type	Attached
Garage Area	625 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	413 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1810 WESTOVER RESERVE BLVD
City	WINDERMERE
State	FL
Zip	34786-6214
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-L-D
Legal Description	WESTOVER RESERVE PHASE ONE 37/9 LOT 16
Legal Range	28E
Legal Township	23S
Legal Section	04
Legal Subdivision	WESTOVER RESERVE PH 1
Legal Phase	1
Legal Tract	8239
Legal Lot Number	16
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1006
Census Tract	14815

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	1810 WESTOVER RESERVE BLVD, WINDERMERE, FL 34786-6214
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 19, 2023	Warranty Deed, Transfer · Conventional Mortgage CITIZENS BANK NA
Apr 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Nov 25, 2019	Warranty Deed, Transfer · Conventional Mortgage USF FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 19, 2023 · Amount on Record
Deed Sale	Jun 19, 2023 · Amount on Record
Prior Sale	Nov 25, 2019 · Amount on Record
Deed Document Number	2023342420
Record Updated	Oct 29, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jun 19, 2023
Property Address	1810 WESTOVER RESERVE BLVD, WINDERMERE, FL 34786-6214
Document Number	0000342420
Map Reference	MB 37 PG 9-11
Instrument Date	Jun 16, 2023
Instrument	20230342420
Transaction Type	Transfer
Record Updated	Jul 3, 2023
Title Company	RED DOOR TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,370.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22709 CURLE RD, EUSTIS, FL 32736-8938

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1810 WESTOVER RESERVE BLVD, WINDERMERE, FL 34786-6214

Mortgage

Document Number	0000342422
Date	Jun 19, 2023
Instrument	20230342422

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Jul 1, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.7%
Index	Other
Max Rate	10.7%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1810 WESTOVER RESERVE BLVD, WINDERMERE, FL 34786-6214
Transaction Type	Mortgage
Record Updated	May 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1810 WESTOVER RESERVE BLVD, WINDERMERE, FL 34786-6214

Mortgage

Document Number	20210225536
Date	Apr 15, 2021
Instrument	20210225536

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2036

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Nov 25, 2019
Property Address	1810 WESTOVER RESERVE BLVD, WINDERMERE, FL 34786-6214
Document Number	0000743353
Map Reference	MB 37 PG 9
Instrument Date	Nov 14, 2019
Instrument	20190743353
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	LANDING TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,976.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1810 WESTOVER RESERVE BLVD, WINDERMERE, FL 34786-6214

Mortgage

Document Number	0000743354
Date	Nov 25, 2019
Instrument	20190743354

Lender

Name	USF FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

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		$638,887 (+2.7%)	$823,490 (-1.4%) Land $175,000 Building $648,490
2025	$10,273.00 (+3.86%) Homeowner's exemption	$622,091 (+10.62%)	$835,150 (+5.14%) Land $175,000 Building $660,150
2024	$9,891.00 (+11.98%)
2023	$8,833.00 (+3.23%) Homeowner's exemption	$562,372 (+3%)	$794,308 (+26.99%) Land $175,000 Building $619,308
2022	$8,557.00 Homeowner's exemption	$545,992	$625,475 Land $150,000 Building $475,475

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 13 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	13 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	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 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 142 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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