2018 Watermere Ln, Windermere, FL 34786 Property Records

Orange County property record for 2018 Watermere Ln, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,454 sqft · built 2004
Lot Size	0.733 acres (31,928 sqft)
Owner	2 Individual Names on Record
Last Sale	$775,000 (Sep 2021)
Tax Bill	$9,427 (2025)
Deeds & Mortgages	Dec 2025 Transfer Dec 2025 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`01-23-27-9150-00-010`

Property Details

APN / Parcel Number

Primary APN	`01-23-27-9150-00-010`
Alternative APNs	`272301915000010` `131150` `131935` `133449`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,454 sqft Living Area
Gross Area	5,208 sqft
1st Floor Area	3,454 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Concrete Block/Stucco
Roof Type	Gable/Hip
Roof Material	Tile
Lot Area	31,928 sqft (0.733 acres)
Garage Type	Attached
Garage Area	832 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	922 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2018 WATERMERE LN
City	WINDERMERE
State	FL
Zip	34786-6118
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-CE-C
Legal Description	WINDERMERE GRANDE 54/63 LOT 1
Legal Range	27E
Legal Township	23S
Legal Section	01
Legal Subdivision	WINDERMERE GRANDE
Legal Tract	9150
Legal Lot Number	1
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 October 13, 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	2018 WATERMERE LN, WINDERMERE, FL 34786-6118
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2025	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Dec 11, 2025	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Sep 17, 2025	Deed of Trust, Mortgage · Line of Credit SUNCOAST CU
Sep 17, 2021	Warranty Deed, Transfer · Conventional Mortgage SUNCOAST CU
Aug 22, 2018	Deed of Trust, Mortgage · Conventional Mortgage INNOVATIVE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2021 · Amount on Record
Deed Sale	Sep 17, 2021 · Amount on Record
Prior Sale	May 13, 2004 · Amount on Record
Deed Document Number	2021565666
Prior Transfer Date	Oct 23, 2008
Prior Transfer Doc	0000670093
Record Updated	Oct 29, 2026

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE FL
Recording Date	Dec 10, 2025
Property Address	2018 WATERMERE LN, WINDERMERE, FL 34786-6118
Document Number	0000706463
Map Reference	MB 54 PG 63&64
Instrument Date	Dec 1, 2025
Instrument	20250706463
Transaction Type	Transfer
Record Updated	Dec 29, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2018 WATERMERE LN, WINDERMERE, FL 34786-6118

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2018 WATERMERE LN, WINDERMERE, FL 34786-6118

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE FL
Recording Date	Dec 11, 2025
Property Address	2018 WATERMERE LN, WINDERMERE, FL 34786-6118
Document Number	0000712188
Map Reference	MB 54 PG 63&64
Instrument Date	Dec 1, 2025
Instrument	20250712188
Transaction Type	Transfer
Record Updated	Dec 29, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2018 WATERMERE LN, WINDERMERE, FL 34786-6118

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	2018 WATERMERE LN, WINDERMERE, FL 34786-6118

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2018 WATERMERE LN, WINDERMERE, FL 34786-6118
Transaction Type	Mortgage
Record Updated	Sep 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2018 WATERMERE LN, WINDERMERE, FL 34786-6118

Mortgage

Document Number	0000540587
Date	Sep 17, 2025
Instrument	20250540587

Lender

Name	SUNCOAST CU
Type	Credit Union
Address	TAMPA, FL 33680

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 16, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Sep 17, 2021
Property Address	2018 WATERMERE LN, WINDERMERE, FL 34786-6118
Document Number	20210565666
Map Reference	MB 54 PG 63&64
Instrument Date	Aug 15, 2021
Instrument	20210565666
Transaction Type	Transfer
Record Updated	Oct 4, 2021
Title Company	WEST ORANGE TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,425.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 131, OCOEE, FL 34761-0131

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2018 WATERMERE LN, WINDERMERE, FL 34786-6118

Mortgage

Document Number	20210565667
Date	Sep 17, 2021
Instrument	20210565667

Lender

Name	SUNCOAST CU
Type	Credit Union

Agreement

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

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2018 WATERMERE LN, WINDERMERE, FL 34786-6118
Document Number	0000512961
Instrument Date	Aug 22, 2018
Transaction Type	Mortgage
Record Updated	Nov 22, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2018 WATERMERE LN WINDERMERE FL 347866118, WINDERMERE, FL 34786-6118

Mortgage

Document Number	0000512961
Date	Aug 28, 2018
Instrument	512961

Lender

Name	INNOVATIVE MTG
Type	Mortgage Company
Address	LUTZ, FL 33558

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 27, 2048

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		$824,340 (+37.41%) Land $150,000 Building $674,340	$824,340 (-1.32%) Land $150,000 Building $674,340
2025	$9,427.00 (+3.94%) Homeowner's exemption	$599,895 (+5.99%)	$835,370 (+10.8%) Land $150,000 Building $685,370
2024	$9,070.00 (+7.3%)
2023	$8,453.00 Homeowner's exemption	$566,008	$753,943 Land $150,000 Building $603,943

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	Low lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.07% 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 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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