2106 Ridgewind Way, Windermere, FL 34786 Property Records

Orange County property record for 2106 Ridgewind Way, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,838 sqft · built 1999
Lot Size	0.766 acres (33,349 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,100,000 (Aug 2025)
Tax Bill	$12,492 (2025)
Deeds & Mortgages	May 2021 Mortgage May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-23-27-2520-00-030`

Property Details

APN / Parcel Number

Primary APN	`12-23-27-2520-00-030`
Alternative APNs	`272312252000030` `138664` `139520` `141036`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,838 sqft Living Area
Gross Area	4,184 sqft
1st Floor Area	2,838 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	33,349 sqft (0.766 acres)
Garage Type	Attached
Garage Area	878 sqft
Parking Spaces	3 Parking Spaces
Porch	Finished/Open Porch
Porch Area	468 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2106 RIDGEWIND WAY
City	WINDERMERE
State	FL
Zip	34786-5831
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	ESTATES AT WINDERMERE FIRST ADDITION 37/109 LOT 3
Legal Range	27E
Legal Township	23S
Legal Section	12
Legal Subdivision	ESTATES AT WINDERMERE 1ST ADD
Legal Tract	2520
Legal Lot Number	3
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1021
Census Tract	17120

Owner

Source: Orange County records, as of June 26, 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	2106 RIDGEWIND WAY, WINDERMERE, FL 34786-5831
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOMESTEAD FUNDING CORP
May 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOMESTEAD FUNDING CORP
Jun 26, 2020	Deed of Trust, Mortgage · Line of Credit TRUIST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2025 · Amount on Record
Deed Sale	Aug 11, 2025 · Amount on Record
Prior Sale	May 9, 2001 · Amount on Record
Deed Document Number	2025464111
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2106 RIDGEWIND WAY, WINDERMERE, FL 34786-5831
Transaction Type	Mortgage
Record Updated	Jan 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2106 RIDGEWIND WAY, WINDERMERE, FL 34786-5831

Mortgage

Document Number	0000266529
Date	May 3, 2021
Instrument	20210266529

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2041

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2106 RIDGEWIND WAY, WINDERMERE, FL 34786-5831
Transaction Type	Mortgage
Record Updated	May 19, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2106 RIDGEWIND WAY, WINDERMERE, FL 34786-5831

Mortgage

Document Number	20210266529
Date	May 3, 2021
Instrument	20210266529

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2041

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2106 RIDGEWIND WAY, WINDERMERE, FL 34786-5831
Document Number	0000366578
Instrument Date	Jun 26, 2020
Transaction Type	Mortgage
Record Updated	Jul 30, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2106 RIDGEWIND WAY WINDERMERE FL 347865831, WINDERMERE, FL 34786-5831

Mortgage

Document Number	0000366578
Date	Jul 8, 2020
Instrument	366578

Lender

Name	TRUIST BK
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 7, 2050

Interest

Rate Type	Adjustable Rate

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		$809,200 (+2.45%) Land $160,000 Building $649,200	$809,200 (-1.43%) Land $160,000 Building $649,200
2025	$12,492.00 (+3.66%) Homeowner's exemption	$789,832 (+5.99%)	$820,980 (+10.17%) Land $160,000 Building $660,980
2024	$12,051.00 (+7.29%)
2023	$11,232.00 (+20.89%) Homeowner's exemption	$745,216 (+25.01%) Land $160,000 Building $585,216	$745,216 (+25.01%) Land $160,000 Building $585,216
2022	$9,291.00	$596,104 Land $140,000 Building $456,104	$596,104 Land $140,000 Building $456,104

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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 101 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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