2022 Down Woods Ln, Windermere, FL 34786 Property Records

Orange County property record for 2022 Down Woods Ln, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,335 sqft · built 1989
Lot Size	1.06 acres (46,278 sqft)
Owner	2 Individual Names on File
Last Sale	$998,800 (Sep 2021)
Tax Bill	$13,036 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Mar 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`05-23-28-4416-00-070`

Property Details

APN / Parcel Number

Primary APN	`05-23-28-4416-00-070`
Alternative APNs	`282305441600070` `274602` `279445` `283602`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,335 sqft Living Area
Gross Area	5,090 sqft
1st Floor Area	2,160 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2017
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	46,278 sqft (1.06 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	528 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2022 DOWN WOODS LN
City	WINDERMERE
State	FL
Zip	34786-8002
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-CE
Legal Description	LAKE DOWN WOODS 14/36 LOT 7
Legal Range	28E
Legal Township	23S
Legal Section	05
Legal Subdivision	LAKE DOWN WOODS
Legal Tract	4416
Legal Lot Number	7
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1006
Census Tract	14814

Owner

2022 Down Woods Ln is owned and occupied by two individuals who bought it in September 2021.

Source: Orange County records, as of April 30, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	2022 DOWN WOODS LN, WINDERMERE, FL 34786-8002
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2025	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Mar 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage BELL BANK
Sep 8, 2021	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
May 12, 2021	Warranty Deed, Transfer HOMETOWN TITLE GROUP INC
Mar 24, 2021	Warranty Deed, Transfer · Conventional Mortgage BELL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2021 · Amount on File
Deed Sale	Sep 8, 2021 · Amount on File
Prior Sale	May 12, 2021 · Amount on File
Deed Document Number	2021547737
Prior Transfer Date	Aug 6, 2012
Prior Transfer Doc	0104240998
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2022 DOWN WOODS LN, WINDERMERE, FL 34786-8002
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2022 DOWN WOODS LN, WINDERMERE, FL 34786-8002

Mortgage

Document Number	0000527960
Date	Sep 10, 2025
Instrument	20250527960

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Aug 27, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2022 DOWN WOODS LN, WINDERMERE, FL 34786-8002
Transaction Type	Mortgage
Record Updated	Jan 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1813 MAPLE LEA DR, WINDERMERE, FL 34786-8007

Mortgage

Document Number	0000169937
Date	Mar 24, 2021
Instrument	20210169937

Lender

Name	BELL BANK
Type	Bank
Address	FARGO, ND 58103

Agreement

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

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Sep 8, 2021
Property Address	2022 DOWN WOODS LN, WINDERMERE, FL 34786-8002
Document Number	20210547737
Map Reference	MB 14 PG 36&37
Instrument Date	Aug 30, 2021
Instrument	20210547737
Transaction Type	Transfer
Record Updated	Sep 28, 2021
Title Company	EQUITABLE TITLE/DR PHILLIPS LL, EQUITABLE TTL OF DR PHILLIPS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,991.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	50 FOREST ST, 50, WINDERMERE, FL 34786-8536

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2022 DOWN WOODS LN, WINDERMERE, FL 34786-8002

Mortgage

Document Number	20210547738
Date	Sep 8, 2021
Instrument	20210547738

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	May 12, 2021
Property Address	2022 DOWN WOODS LN, WINDERMERE, FL 34786-8002
Document Number	20210285731
Map Reference	MB 14 PG 36
Instrument Date	May 7, 2021
Instrument	20210285731
Transaction Type	Transfer
Record Updated	Jun 2, 2021
Title Company	HOMETOWN TITLE GROUP INC

Transaction

Amount	Amount on Record
Tax	$6,300.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9319 LAKE HUGH COVE CT, 9319, GOTHA, FL 34734-4627

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2022 DOWN WOODS LN, WINDERMERE, FL 34786-8002

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Mar 24, 2021
Property Address	2022 DOWN WOODS LN, WINDERMERE, FL 34786-8002
Document Number	20210169934
Map Reference	MB 14 PG 36
Instrument Date	Mar 23, 2021
Instrument	20210169934
Transaction Type	Transfer
Record Updated	Jun 2, 2021
Title Company	HOMETOWN TITLE GROUP INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,223.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13044 HARTLE RD, 13044, CLERMONT, FL 34711-9571

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2022 DOWN WOODS LN, WINDERMERE, FL 34786-8002

Mortgage

Document Number	20210169937
Date	Mar 24, 2021
Instrument	20210169937

Lender

Name	BELL BANK
Type	Bank
Address	FARGO, ND 58103

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 2022 Down Woods Ln was $13,036, up 3.6% 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		$826,290 (+2.7%)	$1,044,645 (-1.19%) Land $210,000 Building $834,645
2025	$13,036.00 (+3.6%) Homeowner's exemption	$804,567	$1,057,220 Land $210,000 Building $847,220
2024	$12,583.00 (+7.16%)
2023	$11,742.00 (+3.17%) Homeowner's exemption	$759,118 (+3%)	$887,409 (+20.41%) Land $210,000 Building $677,409
2022	$11,381.00 Homeowner's exemption	$737,008 Land $210,000 Building $527,008	$737,008 Land $210,000 Building $527,008

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

Flood

FEMA maps place 2022 Down Woods Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2022.

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 File median of 37 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	37 in force
Nearby Flood Claims	2 (2022–2024)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 2024 · Hurricane Milton

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 2022 Down Woods Ln is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.03% 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	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 66 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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