Orange County property record for 20 Pine St, Windermere, FL 34786 · Last verified May 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 4.5 Baths |
| Year Built | Built 2000 |
| Square Footage | 3,593 sqft Living Area |
| Lot Size | 60,068 sqft (1.37 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $1,600,000 (2019) |
| Tax Bill | $23,843.00 (2025) |
| Primary APN | 17-23-28-9336-30-380 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 3,593 sqft Living Area |
| Gross Area | 5,241 sqft Gross Area |
| 1st Floor | 2,073 sqft 1st Floor |
| Stories | 2 Stories |
| Utility Area | 346 sqft Utility Area |
| Primary Flooring | Wood Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Concrete Block Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Concrete Roof |
| Lot Area | 60,068 sqft (1.37 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 470 sqft Garage |
| Patio Area | 2 sqft Patio |
| Porch Area | 546 sqft Porch |
| Boat Access | Boat Access |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Heating Fuel | Electric Heating Fuel |
| Street Address | 20 PINE ST |
|---|---|
| City | WINDERMERE |
| State | FL |
| Zip | 34786-8548 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | PLAT OF WINDERMERE G/36 LOT 38C |
| Legal Range | 28E |
| Legal Township | 23S |
| Legal Section | 17 |
| Legal Subdivision | WINDERMERE |
| Legal Tract | 9336 |
| Legal Block | 30 |
| Legal Lot Number | 38C |
| Jurisdiction | ORANGE FL |
| Minor Civil Division | SOUTHWEST ORANGE |
| Census Blockgroup | 1 |
| Census Block | 1015 |
| Census Tract | 14809 |
Source: Orange County records · APN 17-23-28-9336-30-380
Assessment roll updated April 30, 2026 · Last verified May 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 File |
|---|---|
| Mailing Address | 20 PINE ST, WINDERMERE, FL 34786-8548 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 07, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA |
| May 09, 2019 | Warranty Deed, Transfer EQUITABLE TITLE/DR PHILLIPS LL |
| Nov 05, 2018 | Deed of Trust, Mortgage · Line of Credit SUNTRUST BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 09, 2019 · Amount on Record |
| Deed Sale | May 09, 2019 · Amount on Record |
| Prior Sale | Jan 31, 2013 · Amount on Record |
| Deed Doc Number | 2019288892 |
| Transfer Doc | 6679002631 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 20 PINE ST, WINDERMERE, FL 34786-8548 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2021 |
| Name | Verified Name |
|---|---|
| Address | 20 PINE ST, WINDERMERE, FL 34786-8548 |
| Document Number | 20210402509 |
|---|---|
| Date | Jul 07, 2021 |
| Instrument | 20210402509 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.87% |
| Type Change Date | Jul 01, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 7.87% |
| Index | Other |
| Max Rate | 7.87% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | May 09, 2019 |
| Property Address | 20 PINE ST, WINDERMERE, FL 34786-8548 |
| Document Number | 0000288892 |
| Instrument Date | May 06, 2019 |
| Instrument | 288892 |
| Transaction Type | Transfer |
| Record Updated | May 24, 2019 |
| Title Company | EQUITABLE TITLE/DR PHILLIPS LL |
| Amount | Amount Recorded |
|---|---|
| Tax | $11,200.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 20 PINE ST WINDERMERE FL 347868548, WINDERMERE, FL 34786-8548 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 20 PINE ST, WINDERMERE, FL 34786-8548 |
| Document Number | 0000662653 |
| Instrument Date | Nov 05, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 04, 2018 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE INC |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 20 PINE ST WINDERMERE FL 347868548, WINDERMERE, FL 34786-8548 |
| Document Number | 0000662653 |
|---|---|
| Date | Nov 13, 2018 |
| Instrument | 662653 |
| Name | SUNTRUST BK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Orange County records · Assessment roll updated April 30, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Unified School District | Orange County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,495,849 (+2.7%) | $1,902,900 (-0.66%) Land $1,120,000 Building $782,900 | |
| 2025 | $23,843.00 (+2.91%) Homeowner's exemption | $1,456,523 (+5.99%) | $1,915,540 (+4.94%) Land $1,120,000 Building $795,540 |
| 2024 | $23,168.00 (+3.3%) | ||
| 2023 | $22,427.00 (+2.83%) Homeowner's exemption | $1,374,247 (+3%) | $1,825,370 (+24.31%) Land $1,120,000 Building $705,370 |
| 2022 | $21,810.00 Homeowner's exemption | $1,334,220 | $1,468,431 Land $870,000 Building $598,431 |
Source: FEMA National Flood Hazard Layer, Orange County (12095C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | 100.7 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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