Orange County property record for 2809 Pinnacle Ct, Windermere, FL 34786
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,564 sqft · built 1994 |
| Lot Size | 1.23 acres (53,981 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $720,000 (May 2018) |
| Tax Bill | $11,578 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage May 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-23-28-4398-00-200 |
| Primary APN | 04-23-28-4398-00-200 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,564 sqft Living Area |
| Gross Area | 4,916 sqft |
| 1st Floor Area | 2,274 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Concrete |
| Lot Area | 53,981 sqft (1.23 acres) |
| Garage Type | Attached |
| Garage Area | 728 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 450 sqft |
| Porch | Florida Room |
| Porch Area | 930 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 2809 PINNACLE CT |
|---|---|
| City | WINDERMERE |
| State | FL |
| Zip | 34786-8219 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-CE |
| Legal Description | LAKE DOWN CREST 26/52 LOT 20 |
| Legal Range | 28E |
| Legal Township | 23S |
| Legal Section | 04 |
| Legal Subdivision | LAKE DOWN CREST |
| Legal Tract | 4398 |
| Legal Lot Number | 20 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 14815 |
Source: Orange County records · APN 04-23-28-4398-00-200
Assessment roll updated April 30, 2026 · Last verified May 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 2809 PINNACLE CT, WINDERMERE, FL 34786-8219 |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| Oct 08, 2020 | Deed of Trust, Mortgage · Conventional Mortgage COMMERCE NAT'L BK |
| May 09, 2018 | Warranty Deed, Transfer · Conventional Mortgage FBC MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 09, 2018 · Amount on Record |
| Deed Sale | May 09, 2018 · Amount on Record |
| Prior Sale | Aug 15, 2003 · Amount on Record |
| Deed Document Number | 2018275328 |
| Prior Transfer Date | Sep 06, 2005 |
| Prior Transfer Doc | 0000661793 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 2809 PINNACLE CT, WINDERMERE, FL 34786-8219 |
| Document Number | 0000538364 |
| Instrument Date | Oct 08, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 02, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2809 PINNACLE CT WINDERMERE FL 347868219, WINDERMERE, FL 34786-8219 |
| Document Number | 0000538364 |
|---|---|
| Date | Oct 15, 2020 |
| Instrument | 538364 |
| Name | COMMERCE NAT'L BK |
|---|---|
| Type | Bank |
| Address | WINTER PARK, FL 32789 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 14, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | May 09, 2018 |
| Property Address | 2809 PINNACLE CT, WINDERMERE, FL 34786-8219 |
| Document Number | 0000275328 |
| Map Reference | MB 26 PG 52 |
| Instrument Date | May 03, 2018 |
| Instrument | 20180275328 |
| Transaction Type | Transfer |
| Record Updated | Jan 03, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,040.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7836 HOLIDAY ISLE DR # DR102, 7836, ORLANDO, FL 32812-4032 |
| Name | Verified Name |
|---|---|
| Address | 13381 SANDOVER PL, PICKERINGTON, OH 43147-8441 |
| Document Number | 0000275332 |
|---|---|
| Date | May 09, 2018 |
| Instrument | 20180275332 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 01, 2033 |
Source: Orange County records · Assessment roll updated April 30, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Unified School District | Orange County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $717,823 (+2.7%) | $997,010 (-1.38%) Land $260,000 Building $737,010 | |
| 2025 | $11,578.00 (+3.74%) Homeowner's exemption | $698,951 (+5.99%) | $1,010,960 (+22.38%) Land $260,000 Building $750,960 |
| 2024 | $11,161.00 (+7.09%) | ||
| 2023 | $10,422.00 (+3.16%) Homeowner's exemption | $659,469 (+3%) | $826,113 (+23.99%) Land $260,000 Building $566,113 |
| 2022 | $10,103.00 Homeowner's exemption | $640,261 | $666,259 Land $260,000 Building $406,259 |
Source: FEMA National Flood Hazard Layer, Orange County (12095C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120950148151, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 13 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 13 in force |
| Wildfire Risk | Low lower than 98% of the US · lower than 97.6% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
May also be available: AT&T, Lumen Technologies, T-Mobile USA, Xfinity.
Based on FCC filings for 119 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system FL3484119, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | OCUD/SOUTHERN WATER SYS (5 WPS) serves 80,738 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2024 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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