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2040 Westover Reserve Blvd, Windermere, FL 34786 Property Records

Orange County property record for 2040 Westover Reserve Blvd, Windermere, FL 34786

Property Summary

Property TypeSingle Family Home
Details4 bd · 4 ba · 3,093 sqft · built 2000
Lot Size0.237 acres (10,344 sqft)
Owner2 Individual Names on Record
Last Sale$535,000 (Jan 2017)
Tax Bill$8,409 (2025)
Deeds & MortgagesJan 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN04-23-28-8626-00-400

Property Details

APN / Parcel Number

Primary APN04-23-28-8626-00-400
Alternative APNs
  • 282304862600400
  • 274156
  • 278998
  • 283154

Interior

Bedrooms4 Beds
Full Baths4 Baths
Stories2 Stories
Building Area3,093 sqft Living Area
Gross Area4,182 sqft
1st Floor Area2,673 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2000
Effective Year BuiltEffective 2000
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area10,344 sqft (0.237 acres)
Garage TypeAttached
Garage Area667 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area348 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address2040 WESTOVER RESERVE BLVD
CityWINDERMERE
StateFL
Zip34786-6223
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-L-D
Legal DescriptionWESTOVER RESERVE PHASE TWO 39/3 LOT 40
Legal Range28E
Legal Township23S
Legal Section04
Legal SubdivisionWESTOVER RESERVE PH 2
Legal Phase2
Legal Tract8626
Legal Lot Number40
JurisdictionORANGE FL
Township / Civil DivisionSOUTHWEST ORANGE
Census Block Group1
Census Block1013
Census Tract14815

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address2040 WESTOVER RESERVE BLVD, WINDERMERE, FL 34786-6223
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 4, 2017 · Amount on Record
Deed SaleJan 4, 2017 · Amount on Record
Prior SaleFeb 16, 2005 · Amount on Record
Deed Document Number20173272
Record UpdatedJun 8, 2026

January 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionORANGE FL
Recording DateJan 4, 2017
Property Address2040 WESTOVER RESERVE BLVD, WINDERMERE, FL 34786-6223
Document Number0000003272
Map ReferenceMB 39 PG 3-6
Instrument DateDec 27, 2016
Instrument20170003272
Transaction TypeTransfer
Record UpdatedJan 3, 2022
Title CompanyCENTRAL FLORIDA TITLE CLERMO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,745.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address14290 UNITED COLONIES DR, 14290, WINTER GARDEN, FL 34787-5192

Transferred To (Grantee/Buyer)

NameVerified Name
Address2040 WESTOVER RESERVE BLVD, WINDERMERE, FL 34786-6223

Mortgage

Document Number0000003274
DateJan 4, 2017
Instrument20170003274
Lender
NameFBC MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJan 1, 2047

Tax Assessment & Valuation

Source: Orange County assessment roll, as of April 30, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOrange County
Unified School DistrictOrange County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$526,230 (+2.7%)$786,050 (-1.11%) Land $175,000 Building $611,050
2025$8,409.00 (+4.1%) Homeowner's exemption$512,395 (+5.99%)$794,910 (+9.63%) Land $175,000 Building $619,910
2024$8,078.00 (+7.11%)
2023$7,542.00 (+3.32%) Homeowner's exemption$483,450 (+3%)$725,056 (+26.57%) Land $175,000 Building $550,056
2022$7,300.00 Homeowner's exemption$469,369$572,864 Land $150,000 Building $422,864

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 13 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies13 in force

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 RiskLow
lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemOCUD/SOUTHERN WATER SYS (5 WPS)
serves 80,738 people · EPA ID FL3484119
Water SourceGroundwater
Last State InspectionMay 2024
Lead2 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 264 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
AT&T
Fiber · DSL in parts of the area		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

May also be available: Xfinity.

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