2033 Water Key Dr, Windermere, FL 34786 Property Records

Orange County property record for 2033 Water Key Dr, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,652 sqft · built 2000
Lot Size	2.01 acres (87,921 sqft)
Owner	2 Individual Names on File
Last Sale	$699,900 (Jan 2019)
Tax Bill	$10,865 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Jan 2019 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`01-23-27-7643-00-150`

Property Details

APN / Parcel Number

Primary APN	`01-23-27-7643-00-150`
Alternative APNs	`272301764300150` `130999` `131784` `133298`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,652 sqft Living Area
Gross Area	3,607 sqft
1st Floor Area	2,652 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	87,921 sqft (2.01 acres)
Garage Type	Attached
Garage Area	728 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	227 sqft
Boat Access	Boat Access
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2033 WATER KEY DR
City	WINDERMERE
State	FL
Zip	34786-5801
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 15
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	15
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1025
Census Tract	17120

Owner

2033 Water Key Dr is owned and occupied by two individuals who bought it in January 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	2033 WATER KEY DR, WINDERMERE, FL 34786-5801
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

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
Feb 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage FBC MORTGAGE LLC
Jan 18, 2019	Warranty Deed, Transfer · ARM FIRST IC BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 18, 2019 · Amount on File
Deed Sale	Jan 18, 2019 · Amount on File
Prior Sale	Jan 27, 2000 · Amount on File
Deed Document Number	201937200
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2033 WATER KEY DR, WINDERMERE, FL 34786-5801
Transaction Type	Mortgage
Record Updated	Mar 11, 2021
Title Company	LEADING EDGE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2033 WATER KEY DR, WINDERMERE, FL 34786-5801

Mortgage

Document Number	20210110843
Date	Feb 24, 2021
Instrument	20210110843

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company
Address	ORLANDO, FL 32801

Agreement

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

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jan 18, 2019
Property Address	2033 WATER KEY DR, WINDERMERE, FL 34786-5801
Document Number	0000037200
Map Reference	MB 42 PG 23-27
Instrument Date	Jan 15, 2019
Instrument	20190037200
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	NETWORK CLOSING SERVICES INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,899.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14606 PALE CEDAR SQ APT 103, 14606, WINTER GARDEN, FL 34787-1424

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2033 WATER KEY DR, WINDERMERE, FL 34786-5801

Mortgage

Document Number	0000037201
Date	Jan 18, 2019
Instrument	20190037201

Lender

Name	FIRST IC BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Mar 1, 2024
Change Frequency	Annually
Min Rate At Change	5.12%
Max Rate At Change	7.5%
Index	1-Year CMT
Max Rate	10.5%

Tax Assessment & Valuation

The 2025 property tax bill for 2033 Water Key Dr was $10,865, up 3.7% 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		$694,884 (+2.7%)	$986,370 (-1.08%) Land $375,000 Building $611,370
2025	$10,865.00 (+3.73%) Homeowner's exemption	$676,615	$997,120 Land $375,000 Building $622,120
2024	$10,474.00 (+7.15%)
2023	$9,775.00 (+3.1%) Homeowner's exemption	$638,394 (+3%)	$928,116 (+18.19%) Land $375,000 Building $553,116
2022	$9,481.00 Homeowner's exemption	$619,800	$785,256 Land $350,000 Building $435,256

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

Flood

FEMA maps place 2033 Water Key Dr in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
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 2033 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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