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2109 Grove Point Ln, Windermere, FL 34786 Property Records

Orange County property record for 2109 Grove Point Ln, Windermere, FL 34786

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,850 sqft · built 1992
Lot Size1.02 acres (44,735 sqft)
Owner2 Individual Names on File
Last Sale$625,000 (Mar 2022)
Tax Bill$11,270 (2025)
Deeds & MortgagesMar 2022 Sale
Aug 2020 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN01-23-27-9065-00-940

Property Details

APN / Parcel Number

Primary APN01-23-27-9065-00-940
Alternative APNs
  • 272301906500940
  • 131091
  • 131875
  • 133390

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,850 sqft Living Area
Gross Area3,894 sqft
1st Floor Area2,850 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1992
Effective Year BuiltEffective 1992
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialTile
Lot Area44,735 sqft (1.02 acres)
Garage TypeAttached
Garage Area732 sqft
Parking Spaces3 Parking Spaces
PorchFinished/Open Porch
Porch Area312 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address2109 GROVE POINT LN
CityWINDERMERE
StateFL
Zip34786-5803
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-CE
Legal DescriptionWATERFORD POINTE 24/19 LOT 94
Legal Range27E
Legal Township23S
Legal Section01
Legal SubdivisionWATERFORD POINTE
Legal Tract9065
Legal Lot Number94
JurisdictionORANGE FL
Township / Civil DivisionSOUTHWEST ORANGE
Census Block Group1
Census Block1021
Census Tract17120

Owner

2109 Grove Point Ln is owned and occupied by two individuals who acquired it in March 2025.

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

Owner of Record2 Individual Names on File
Mailing Address2109 GROVE POINT LN, WINDERMERE, FL 34786-5803
OccupancyOwner Occupied
Owner TypeIndividual
VestingLife Estate

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

DateDocument
Mar 30, 2022Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Aug 20, 2020Deed of Trust, Mortgage · Conventional Mortgage
FIRST HM BK
Oct 2, 2017Deed of Trust, Mortgage · Conventional Mortgage
DITECH FIN'L

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 30, 2022 · Amount on File
Deed SaleMar 30, 2022 · Amount on File
Prior SaleJun 25, 1993 · Amount on File
Deed Document Number2022203154
Last Transfer DateMar 20, 2025
Transfer Doc0000176912
Record UpdatedJun 8, 2026

March 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionORANGE FL
Recording DateMar 30, 2022
Property Address2109 GROVE POINT LN, WINDERMERE, FL 34786-5803
Document Number0000203154
Map ReferenceMB 24 PG 19
Instrument DateMar 25, 2022
Instrument20220203154
Transaction TypeTransfer
Record UpdatedApr 18, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
Tax$4,375.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2109 GROVE POINT LN, 2109, WINDERMERE, FL 34786-5803

Transferred To (Grantee/Buyer)

NameVerified Name
Address2461 BARONSMEDE CT, WINTER GARDEN, FL 34787-4680

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionORANGE FL
Property Address2109 GROVE POINT LN, WINDERMERE, FL 34786-5803
Document Number0000450141
Instrument DateAug 20, 2020
Transaction TypeMortgage
Record UpdatedSep 10, 2020
Title CompanyTITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

NameVerified Name
Address2109 GROVE POINT LN WINDERMERE FL 347865803, WINDERMERE, FL 34786-5803

Mortgage

Document Number0000450141
DateAug 26, 2020
Instrument450141
Lender
NameFIRST HM BK
TypeBank
AddressSEMINOLE, FL 33772
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueAug 25, 2050

October 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionORANGE FL
Property Address2109 GROVE POINT LN, WINDERMERE, FL 34786-5803
Document Number0000552482
Instrument DateOct 2, 2017
Transaction TypeMortgage
Record UpdatedOct 27, 2017
Title CompanyTITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

NameVerified Name
Address2109 GROVE POINT LN WINDERMERE FL 347865803, WINDERMERE, FL 34786-5803

Mortgage

Document Number0000552482
DateOct 10, 2017
Instrument552482
Lender
NameDITECH FIN'L
AddressTAMPA, FL 33607
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term180 Months
DueOct 9, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 2109 Grove Point Ln was $11,270, up 4.3% from the year before.

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$727,027 (+2.7%)$975,740 (-1.37%) Land $170,000 Building $805,740
2025$11,270.00 (+4.33%) Homeowner's exemption$707,913$989,260 Land $170,000 Building $819,260
2024$10,802.00 (-5.44%)
2023$11,423.00 (+90.07%) Homeowner's exemption$711,451 (+76.55%) Land $170,000 Building $541,451$711,451 (+19.9%) Land $170,000 Building $541,451
2022$6,010.00 Homeowner's exemption$402,973$593,359 Land $155,000 Building $438,359

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

Flood

FEMA maps place 2109 Grove Point 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 54 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies54 in force
Nearby Flood Claims2 (2022)
Claims Outside the SFHA2 of 2
Most Recent ClaimSep 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 2109 Grove Point Ln is low, with a 0.05% annual chance of wildfire.

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

Wildfire RiskLow
lower than 94% of the US · lower than 94% of Florida
Wildfire Likelihood0.05% 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 SystemWINTER GARDEN WATER DEPT (3 WPS)
serves 72,205 people · EPA ID FL3481481
Water SourceGroundwater
Last State InspectionFeb 2024
Also Mapped HereOCUD/SOUTHERN WATER SYS (5 WPS), OCUD/WESTERN REGIONAL WTR SYS (5 WPS)
Lead3 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 92 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Spectrum
Cable		1,000 / 35
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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