2014 Water Key Dr, Windermere, FL 34786 Property Records

Orange County property record for 2014 Water Key Dr, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 4,006 sqft · built 2000
Lot Size	0.497 acres (21,666 sqft)
Owner	2 Individual Names on File
Last Sale	$552,000 (Jul 2011)
Tax Bill	$9,344 (2025)
Deeds & Mortgages	Apr 2019 Line of Credit Feb 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-23-27-7643-00-450`

Property Details

APN / Parcel Number

Primary APN	`01-23-27-7643-00-450`
Alternative APNs	`272301764300450` `131035` `131821` `133334`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	4,006 sqft Living Area
Gross Area	5,142 sqft
1st Floor Area	4,006 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2002
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	21,666 sqft (0.497 acres)
Garage Type	Attached
Garage Area	759 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	377 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2014 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 45
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	45
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1012
Census Tract	17120

Owner

2014 Water Key Dr is owned and occupied by two individuals who bought it in July 2011.

Source: Orange County records, as of May 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2014 WATER KEY DR, WINDERMERE, FL 34786-5821
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2019	Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L ASSN/CLEVELAND
Feb 7, 2018	Deed of Trust, Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2011 · Amount on File
Deed Sale	Jul 19, 2011 · Amount on File
Deed Document Number	2011372644
Deed Book / Page	10241 / 4052
Record Updated	Jun 8, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2014 WATER KEY DR, WINDERMERE, FL 34786-5821
Document Number	0000287793
Instrument Date	Apr 18, 2019
Transaction Type	Mortgage
Record Updated	May 24, 2019
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2014 WATER KEY DR WINDERMERE FL 347865821, WINDERMERE, FL 34786-5821

Mortgage

Document Number	0000287793
Date	May 9, 2019
Instrument	287793

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	May 8, 2039

Interest

Rate Type	Adjustable Rate

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2014 WATER KEY DR, WINDERMERE, FL 34786-5821
Document Number	0000090220
Instrument Date	Feb 7, 2018
Transaction Type	Mortgage
Record Updated	Mar 7, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2014 WATER KEY DR WINDERMERE FL 347865821, WINDERMERE, FL 34786-5821

Mortgage

Document Number	0000090220
Date	Feb 14, 2018
Instrument	90220

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 13, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 2014 Water Key Dr was $9,344, up 3.9% from the year before.

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		$606,182 (+2.7%)	$1,076,020 (-1.44%) Land $165,000 Building $911,020
2025	$9,344.00 (+3.91%) Homeowner's exemption	$590,245	$1,091,690 Land $165,000 Building $926,690
2024	$8,992.00 (+7.23%)
2023	$8,386.00 (+3.09%) Homeowner's exemption	$556,903 (+3%)	$985,781 (+27.98%) Land $165,000 Building $820,781
2022	$8,135.00 Homeowner's exemption	$540,683	$770,268 Land $135,000 Building $635,268

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2014 Water Key Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 2014 Water Key Dr is low, with a 0.02% annual chance of 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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