2131 Water Key Dr, Windermere, FL 34786 Property Records

Orange County property record for 2131 Water Key Dr, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 5,058 sqft · built 2006
Lot Size	0.955 acres (41,596 sqft)
Owner	2 Individual Names on File
Last Sale	$1,925,000 (Jun 2022)
Tax Bill	$26,494 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-23-27-7643-00-210`

Property Details

APN / Parcel Number

Primary APN	`01-23-27-7643-00-210`
Alternative APNs	`272301764300210` `131006` `131791` `133305`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	5,058 sqft Living Area
Gross Area	7,192 sqft
1st Floor Area	3,883 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2020
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	41,596 sqft (0.955 acres)
Garage Type	Attached
Garage Area	827 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	1,100 sqft
Water Feature	Water Feature
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2131 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 21
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	21
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1024
Census Tract	17120

Owner

2131 Water Key Dr is owned and occupied by two individuals who bought it in June 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	2131 WATER KEY DR, WINDERMERE, FL 34786-5819
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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	Jun 2, 2022 · Amount on File
Deed Sale	Jun 2, 2022 · Amount on File
Prior Sale	Mar 1, 2013 · Amount on File
Deed Document Number	2022345918
Record Updated	Oct 29, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jun 2, 2022
Property Address	2131 WATER KEY DR, WINDERMERE, FL 34786-5819
Document Number	0000345918
Map Reference	MB 42 PG 23-27
Instrument Date	Apr 14, 2022
Instrument	20220345918
Transaction Type	Transfer
Record Updated	Jun 23, 2022
Title Company	PCS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$13,475.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2131 WATER KEY DR, 2131, WINDERMERE, FL 34786-5819

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5675 TREEBROOK DR NE, ADA, MI 49301-8701

Mortgage

Document Number	0000345919
Date	Jun 2, 2022
Instrument	20220345919

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	May 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 2131 Water Key Dr was $26,494, up 3.2% 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		$1,694,740 (+2.7%)	$1,706,160 (-1.28%) Land $250,000 Building $1,456,160
2025	$26,494.00 (+3.18%) Homeowner's exemption	$1,650,185	$1,728,200 Land $250,000 Building $1,478,200
2024	$25,677.00 (+7.24%)
2023	$23,944.00 (+64.43%) Homeowner's exemption	$1,556,969 (+64.16%) Land $250,000 Building $1,306,969	$1,556,969 (+49.86%) Land $250,000 Building $1,306,969
2022	$14,562.00 Homeowner's exemption	$948,432	$1,038,936 Land $235,000 Building $803,936

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 2131 Water Key Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
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 2131 Water Key Dr is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% 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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