2002 Westover Reserve Blvd, Windermere, FL 34786 Property Records

Orange County property record for 2002 Westover Reserve Blvd, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,304 sqft · built 1999
Lot Size	0.298 acres (12,971 sqft)
Owner	2 Individual Names on Record
Last Sale	$67,500 (Nov 1998)
Tax Bill	$7,861 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-23-28-8626-00-440`

Property Details

APN / Parcel Number

Primary APN	`04-23-28-8626-00-440`
Alternative APNs	`282304862600440` `274162` `279003` `283159`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,304 sqft Living Area
Gross Area	4,309 sqft
1st Floor Area	2,159 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,971 sqft (0.298 acres)
Garage Type	Attached
Garage Area	438 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool House	Pool House
Porch	Slab
Porch Area	353 sqft
Patio Area	12 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2002 WESTOVER RESERVE BLVD
City	WINDERMERE
State	FL
Zip	34786-6223
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-L-D
Legal Description	WESTOVER RESERVE PHASE TWO 39/3 LOT 44
Legal Range	28E
Legal Township	23S
Legal Section	04
Legal Subdivision	WESTOVER RESERVE PH 2
Legal Phase	2
Legal Tract	8626
Legal Lot Number	44
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1013
Census Tract	14815

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	2002 WESTOVER RESERVE BLVD, WINDERMERE, FL 34786-6223
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2023	Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NA
Mar 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage SPRING EQ LLC
Mar 22, 2019	Deed of Trust, Mortgage · Conventional with PMI NORTH AMERICAN SVGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 1998 · Amount on Record
Deed Sale	Nov 13, 1998 · Amount on Record
Deed Book / Page	5616 / 73
Record Updated	Jun 8, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2002 WESTOVER RESERVE BLVD, WINDERMERE, FL 34786-6223
Transaction Type	Mortgage
Record Updated	Jun 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2002 WESTOVER RESERVE BLVD, WINDERMERE, FL 34786-6223

Mortgage

Document Number	0000334780
Date	Jun 14, 2023
Instrument	20230334780

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	WINTER HAVEN, FL 33880

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2002 WESTOVER RESERVE BLVD, WINDERMERE, FL 34786-6223
Transaction Type	Mortgage
Record Updated	Apr 14, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2002 WESTOVER RESERVE BLVD, WINDERMERE, FL 34786-6223

Mortgage

Document Number	20210169956
Date	Mar 24, 2021
Instrument	20210169956

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	PHILADELPHIA, PA 19104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2002 WESTOVER RESERVE BLVD, WINDERMERE, FL 34786-6223
Document Number	0000198427
Instrument Date	Mar 22, 2019
Transaction Type	Mortgage
Record Updated	Apr 17, 2019
Title Company	TRANSTAR NATIONAL TITLE, TRANSTAR NAT'L TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2002 WESTOVER RESERVE BLVD WINDERMERE FL 347866223, WINDERMERE, FL 34786-6223

Mortgage

Document Number	0000198427
Date	Apr 2, 2019
Instrument	198427

Lender

Name	NORTH AMERICAN SVGS BK
Type	Federal Savings Bank
Address	GRANDVIEW, MO 64030

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 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		$493,113 (+2.7%)	$769,700 (-1.19%) Land $175,000 Building $594,700
2025	$7,861.00 (+4.19%) Homeowner's exemption	$480,149 (+5.99%)	$779,000 (+9.54%) Land $175,000 Building $604,000
2024	$7,545.00 (+7.11%)
2023	$7,044.00 (+3.36%) Homeowner's exemption	$453,026 (+3%)	$711,134 (+25.82%) Land $175,000 Building $536,134
2022	$6,815.00 Homeowner's exemption	$439,831	$565,208 Land $150,000 Building $415,208

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 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.03% 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	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 264 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fiber · DSL in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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