2008 Water Key Dr, Windermere, FL 34786 Property Records

Orange County property record for 2008 Water Key Dr, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,273 sqft · built 2000
Lot Size	0.525 acres (22,859 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,143,000 (May 2025)
Tax Bill	$9,491 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Mar 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-23-27-7643-00-460`

Property Details

APN / Parcel Number

Primary APN	`01-23-27-7643-00-460`
Alternative APNs	`272301764300460` `131036` `131822` `133335`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,273 sqft Living Area
Gross Area	4,407 sqft
1st Floor Area	3,273 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Tile
Lot Area	22,859 sqft (0.525 acres)
Garage Type	Attached
Garage Area	736 sqft
Parking Spaces	3 Parking Spaces
Porch	Finished/Open Porch
Porch Area	398 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2008 WATER KEY DR
City	WINDERMERE
State	FL
Zip	34786-5821
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-CE-C
Legal Description	RESERVE AT WATERFORD POINTE PHASE 1 42/23 LOT 46
Legal Range	27E
Legal Township	23S
Legal Section	01
Legal Subdivision	RESERVE AT WATERFORD POINTE PH 1
Legal Phase	1
Legal Tract	7643
Legal Lot Number	46
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1012
Census Tract	17120

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	212 GRAND CHAMPION RD, WILMINGTON, NC 28412-2795
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2026	Deed of Trust, Mortgage · VA Mortgage NORTHPOINT MORTGAGE INC
Mar 19, 2026	Deed of Trust, Mortgage · VA Mortgage NORTHPOINT MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2025 · Amount on Record
Deed Sale	May 22, 2025 · Amount on Record
Prior Sale	Jul 15, 2016 · Amount on Record
Deed Document Number	2025300363
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2008 WATER KEY DR, WINDERMERE, FL 34786-5821
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2008 WATER KEY DR, WINDERMERE, FL 34786-5821

Mortgage

Document Number	0000167272
Date	Mar 24, 2026
Instrument	20260167272

Lender

Name	NORTHPOINT MORTGAGE INC
Type	Mortgage Company
Address	STURBRIDGE, MA 01566

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2056

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2008 WATER KEY DR, WINDERMERE, FL 34786-5821
Transaction Type	Mortgage
Record Updated	Apr 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2008 WATER KEY DR, WINDERMERE, FL 34786-5821

Mortgage

Document Number	0000159870
Date	Mar 19, 2026
Instrument	20260159870

Lender

Name	NORTHPOINT MORTGAGE INC
Type	Mortgage Company
Address	STURBRIDGE, MA 01566

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2056

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		$898,030 (+50.26%) Land $165,000 Building $733,030	$898,030 (-1.43%) Land $165,000 Building $733,030
2025	$9,491.00 (+3.9%) Homeowner's exemption	$597,664 (+5.99%)	$911,030 (+10.74%) Land $165,000 Building $746,030
2024	$9,135.00 (+7.22%)
2023	$8,520.00 (+3.19%) Homeowner's exemption	$563,903 (+3%)	$822,641 (+28.04%) Land $165,000 Building $657,641
2022	$8,257.00 Homeowner's exemption	$547,479	$642,500 Land $135,000 Building $507,500

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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	Low lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood	0.02% 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	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 159 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile.

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