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3074 Downs Cove Rd, Windermere, FL 34786 Property Records

Orange County property record for 3074 Downs Cove Rd, Windermere, FL 34786 · Last verified May 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,594 sqft · built 1988
Lot Size1.95 acres (85,257 sqft)
Owner2 Individual Names on File
Last Sale$960,000 (Jul 2022)
Tax Bill$5,371 (2025)
Deeds & MortgagesJul 2022 Sale
Flood ZoneZone X (minimal risk)
APN09-23-28-0000-00-044

Property Details

APN / Parcel Number

Primary APN09-23-28-0000-00-044
Alternative APNs
  • 282309000000044
  • 276045
  • 280889
  • 285048

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area2,594 sqft Living Area
Gross Area4,426 sqft
1st Floor Area2,342 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1988
Effective Year BuiltEffective 2000
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area85,257 sqft (1.95 acres)
Garage TypeAttached
Garage Area1,218 sqft
PorchSlab
Porch Area866 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address3074 DOWNS COVE RD
CityWINDERMERE
StateFL
Zip34786-8302
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSURVEY FILE IS-110508 REV 2/23/24 - ERROR IN LEGAL DESC - FR OM NE COR OF NW1/4 OF NE1/4 RUN S89-41-15W 45 FT S 432.14 FT FOR POB TH S 25 FT S89-41-15W 349.4 FT S 243.11 FT S89-41-1
Legal Range28E
Legal Township23S
Legal Section09
Legal SubdivisionACREAGE & UNREC
Legal Tract0000
Legal Lot Number44
JurisdictionORANGE FL
Township / Civil DivisionSOUTHWEST ORANGE
Census Block Group1
Census Block1006
Census Tract14814

Owner

Source: Orange County records · APN 09-23-28-0000-00-044

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 Record2 Individual Names on File
Mailing Address3074 DOWNS COVE RD, WINDERMERE, FL 34786-8302
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 19, 2022 · Amount on Record
Deed SaleJul 19, 2022 · Amount on Record
Prior SaleSep 24, 2002 · Amount on Record
Deed Document Number2022441719
Record UpdatedJun 08, 2026

July 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionORANGE FL
Recording DateJul 19, 2022
Property Address3074 DOWNS COVE RD, WINDERMERE, FL 34786-8302
Document Number0000441719
Instrument DateJul 18, 2022
Instrument20220441719
Transaction TypeTransfer
Record UpdatedDec 09, 2025
Title CompanyFIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

AmountAmount Recorded
Tax$6,720.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1161 WAGNER AVE, MOAB, UT 84532-3131

Transferred To (Grantee/Buyer)

NameVerified Name
Address3074 DOWNS COVE RD, WINDERMERE, FL 34786-8302
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: Orange County records · Assessment roll updated April 30, 2026 · Last verified May 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOrange County
Unified School DistrictOrange County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2026$1,874,080 (+531%) Land $300,000 Building $1,574,080$1,874,080 (+498.59%) Land $300,000 Building $1,574,080
2025$5,371.00 (+13.58%)$297,000 (-64.43%)$313,080 (-62.51%) Land $300,000 Building $13,080
2024$4,729.00 (-64.84%)
2023$13,451.00 (+173.45%)$835,042 (+149.56%) Land $270,000 Building $565,042$835,042 (+62.81%) Land $270,000 Building $565,042
2022$4,919.00 Homeowner's exemption$334,610$512,905 Land $220,000 Building $292,905

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Orange County (12095C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120950148141, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 37 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies37 in force
Nearby Flood Claims2 (2022–2024)
Claims Outside the SFHA2 of 2
Most Recent ClaimOct 2024, rainfall accumulation, Hurricane Milton

Wildfire

Wildfire RiskLow
above 36% of the US · above 10% of Florida
Wildfire LikelihoodAbout 1 in 2,041 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 119 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 35
VerizonFixed Wireless300 / 20
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: T-Mobile USA, Lumen Technologies, AT&T, Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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