1854 Watermere Ln, Windermere, FL 34786 Property Records

Orange County property record for 1854 Watermere Ln, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,713 sqft · built 2008
Lot Size	0.635 acres (27,667 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,200,000 (Nov 2020)
Tax Bill	$19,066 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Nov 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-23-27-9150-00-130`

Property Details

APN / Parcel Number

Primary APN	`01-23-27-9150-00-130`
Alternative APNs	`272301915000130` `131165` `131950` `133464`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,713 sqft Living Area
Gross Area	6,496 sqft
1st Floor Area	3,490 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2015
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	27,667 sqft (0.635 acres)
Garage Type	Attached
Garage Area	1,264 sqft
Parking Spaces	5 Parking Spaces
Porch	Slab
Porch Area	303 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	1854 WATERMERE LN
City	WINDERMERE
State	FL
Zip	34786-6121
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-CE-C
Legal Description	WINDERMERE GRANDE 54/63 LOT 13
Legal Range	27E
Legal Township	23S
Legal Section	01
Legal Subdivision	WINDERMERE GRANDE
Legal Tract	9150
Legal Lot Number	13
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1024
Census Tract	17120

Owner

Source: Orange County records, as of May 4, 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	1854 WATERMERE LN, WINDERMERE, FL 34786-6121
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2023	Deed of Trust, Mortgage · Line of Credit OCEAN BANK
Nov 4, 2020	Warranty Deed, Transfer SPROUT MTG
Dec 20, 2019	Loan Modification, Mortgage · Conventional Mortgage SEASIDE NAT'L BK&TR
Mar 27, 2017	Warranty Deed, Transfer · Line of Credit SEASIDE NATIONAL BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2020 · Amount on Record
Deed Sale	Nov 4, 2020 · Amount on Record
Prior Sale	Mar 27, 2017 · Amount on Record
Deed Document Number	2020575887
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1854 WATERMERE LN, WINDERMERE, FL 34786-6121
Transaction Type	Mortgage
Record Updated	Jan 24, 2023
Title Company	MORTGAGE INFORMATION SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1854 WATERMERE LN, WINDERMERE, FL 34786-6121

Mortgage

Document Number	0000003329
Date	Jan 4, 2023
Instrument	20230003329

Lender

Name	OCEAN BANK
Type	Bank
Address	ORLANDO, FL 32801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	11 Months
Due	Dec 21, 2023

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Nov 4, 2020
Property Address	1854 WATERMERE LN, WINDERMERE, FL 34786-6121
Document Number	0000575887
Instrument Date	Oct 29, 2020
Instrument	575887
Transaction Type	Transfer
Record Updated	Nov 19, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,400.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1854 WATERMERE LN WINDERMERE FL 347866121, WINDERMERE, FL 34786-6121

Mortgage

Document Number	575888
Date	Nov 4, 2020
Instrument	575888

Lender

Name	SPROUT MTG
Address	PORT SAINT LUCIE, FL 34986

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 3, 2050

December 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ORANGE FL
Property Address	1854 WATERMERE LN, WINDERMERE, FL 34786-6121
Document Number	0000002092
Instrument Date	Dec 20, 2019
Transaction Type	Mortgage
Record Updated	Jan 30, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1854 WATERMERE LN WINDERMERE FL 347866121, WINDERMERE, FL 34786-6121

Mortgage

Document Number	0000002092
Date	Jan 3, 2020
Instrument	2092

Lender

Name	SEASIDE NAT'L BK&TR
Type	Funding / Finance Company
Address	ORLANDO, FL 32801

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Mar 27, 2017
Property Address	1854 WATERMERE LN, WINDERMERE, FL 34786-6121
Document Number	0000160900
Map Reference	MB 54 PG 63&64
Instrument Date	Mar 15, 2017
Instrument	20170160900
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	NEW HOME TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,051.90
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2121 S HIAWASSEE RD, 2121, ORLANDO, FL 32835-8762

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1854 WATERMERE LN, WINDERMERE, FL 34786-6121

Mortgage

Document Number	0000160901
Date	Mar 27, 2017
Instrument	20170160901

Lender

Name	SEASIDE NATIONAL BANK & TRUST
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Mar 15, 2027

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		$1,229,557 (+2.7%)	$1,388,172 (-1.42%) Land $150,000 Building $1,238,172
2025	$19,066.00 (+3.36%) Homeowner's exemption	$1,197,232 (+5.99%)	$1,408,120 (+11.28%) Land $150,000 Building $1,258,120
2024	$18,446.00 (+7.29%)
2023	$17,193.00 (+2.97%) Homeowner's exemption	$1,129,603 (+3%)	$1,265,414 (+15.38%) Land $150,000 Building $1,115,414
2022	$16,697.00 Homeowner's exemption	$1,096,702 Land $150,000 Building $946,702	$1,096,702 Land $150,000 Building $946,702

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 54 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	54 in force
Nearby Flood Claims	2 (2022)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 2 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

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

Wildfire Risk	Moderate above 51% of the US · lower than 79% of Florida
Wildfire Likelihood	0.2% 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	WINTER GARDEN WATER DEPT (3 WPS) serves 72,205 people · EPA ID FL3481481
Water Source	Groundwater
Last State Inspection	Feb 2024
Also Mapped Here	OCUD/SOUTHERN WATER SYS (5 WPS), OCUD/WESTERN REGIONAL WTR SYS (5 WPS)
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 55 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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