2107 Water Key Dr, Windermere, FL 34786 Property Records

Orange County property record for 2107 Water Key Dr, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 4,473 sqft · built 2000
Lot Size	2.75 acres (120,049 sqft)
Owner	2 Individual Names on File
Last Sale	$1,365,000 (Jan 2017)
Tax Bill	$21,084 (2025)
Deeds & Mortgages	Jan 2017 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`01-23-27-7643-00-170`

Property Details

APN / Parcel Number

Primary APN	`01-23-27-7643-00-170`
Alternative APNs	`272301764300170` `131001` `131786` `133300`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	4,473 sqft Living Area
Gross Area	5,681 sqft
1st Floor Area	4,290 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2015
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	120,049 sqft (2.75 acres)
Garage Type	Attached
Garage Area	525 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	866 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2107 WATER KEY DR
City	WINDERMERE
State	FL
Zip	34786-5819
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 17
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	17
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1025
Census Tract	17120

Owner

2107 Water Key Dr is owned and occupied by two individuals who bought it in January 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	2107 WATER KEY DR, WINDERMERE, FL 34786-5819
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 20, 2017 · Amount on File
Deed Sale	Jan 20, 2017 · Amount on File
Prior Sale	Oct 14, 1999
Deed Document Number	201739484
Record Updated	Jun 8, 2026

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jan 20, 2017
Property Address	2107 WATER KEY DR, WINDERMERE, FL 34786-5819
Document Number	0000039484
Map Reference	MB 42 PG 23-27
Instrument Date	Jan 17, 2017
Instrument	20170039484
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	PREMIER TITLE INSURANCE COMP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,555.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	300 S INTERLACHEN AVE UNIT 503, 300, WINTER PARK, FL 32789-4474

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2107 WATER KEY DR, WINDERMERE, FL 34786-5819

Mortgage

Document Number	0000039485
Date	Jan 20, 2017
Instrument	20170039485

Lender

Name	SUMMIT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 2107 Water Key Dr was $21,084, up 3.3% 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		$1,345,261 (+2.7%)	$1,684,380 (-1.21%) Land $400,000 Building $1,284,380
2025	$21,084.00 (+3.28%) Homeowner's exemption	$1,309,894	$1,705,090 Land $400,000 Building $1,305,090
2024	$20,414.00 (+7.21%)
2023	$19,042.00 (+2.92%) Homeowner's exemption	$1,235,901 (+3%)	$1,557,485 (+21.44%) Land $400,000 Building $1,157,485
2022	$18,502.00 Homeowner's exemption	$1,199,904	$1,282,530 Land $380,000 Building $902,530

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

Flood

FEMA maps place 2107 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

The area around 2107 Water Key Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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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