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3088 Downs Cove Rd, Windermere, FL 34786 Property Records

Orange County property record for 3088 Downs Cove Rd, Windermere, FL 34786

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,438 sqft · built 1988
Lot Size1.94 acres (84,877 sqft)
OwnerIndividual Name on Record
Last Sale$280,000 (May 2001)
Tax Bill$6,006 (2025)
Deeds & MortgagesSep 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN09-23-28-0000-00-040

Property Details

APN / Parcel Number

Primary APN09-23-28-0000-00-040
Alternative APNs
  • 282309000000040
  • 276040
  • 280884
  • 285043

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,438 sqft Living Area
Gross Area3,745 sqft
1st Floor Area2,304 sqft
FlooringCeramic Tile
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1988
Effective Year BuiltEffective 1988
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area84,877 sqft (1.94 acres)
Garage TypeAttached
Garage Area864 sqft
Parking Spaces3 Parking Spaces
PorchFlorida Room
Porch Area577 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address3088 DOWNS COVE RD
CityWINDERMERE
StateFL
Zip34786-8302
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-CE
Legal DescriptionFROM NE COR BLK A DOWNS COVE CAMP SITES Q/121 RUN N 380 FT W 45 FT TO POB TH RUN W 349.4 FT N 243.11 FT E 349.4 FT S 243 .11 FT TO POB IN SEC 09-23-28
Legal Range28E
Legal Township23S
Legal Section09
Legal SubdivisionACREAGE & UNREC
Legal Tract0000
Legal BlockA
Legal Lot Number40
JurisdictionORANGE FL
Township / Civil DivisionSOUTHWEST ORANGE
Census Block Group1
Census Block1006
Census Tract14814

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address3088 DOWNS COVE RD, WINDERMERE, FL 34786-8302
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 24, 2001 · Amount on Record
Deed SaleMay 24, 2001 · Amount on Record
Prior SaleApr 5, 2001
Deed Book / Page6265 / 2475
Last Transfer DateAug 26, 2019
Transfer Doc0000545193
Record UpdatedJun 8, 2026

September 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionORANGE FL
Recording DateSep 5, 2019
Property Address3088 DOWNS COVE RD, WINDERMERE, FL 34786-8302
Document Number0000545193
Instrument DateAug 26, 2019
Instrument545193
Transaction TypeTransfer
Record UpdatedSep 24, 2019
Title CompanyVYLLA TITLE LLC

Transaction

AmountAmount Recorded
Tax$0.70
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3088 DOWNS COVE RD WINDERMERE FL 347868302, WINDERMERE, FL 34786-8302

Mortgage

Document Number545194
DateSep 5, 2019
Instrument545194
Lender
NameMR COOPER
AddressCOPPELL, TX 75019
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term120 Months
DueSep 4, 2029

Tax Assessment & Valuation

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$393,002 (+2.7%)$596,560 (-1.32%) Land $270,000 Building $326,560
2025$6,006.00 (+4.62%) Homeowner's exemption$382,670 (+5.99%)$604,550 (+6.52%) Land $270,000 Building $334,550
2024$5,741.00 (+7.25%)
2023$5,353.00 (+3.54%) Homeowner's exemption$361,053 (+3%)$567,524 (+19.86%) Land $270,000 Building $297,524
2022$5,170.00 Homeowner's exemption$350,537$473,502 Land $220,000 Building $253,502

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

Flood

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 Record
median of 37 policies
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 · Hurricane Milton

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

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

Wildfire RiskLow
lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood0.05% annual chance
ExposureDirect
burnable vegetation

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 SystemOCUD/SOUTHERN WATER SYS (5 WPS)
serves 80,738 people · EPA ID FL3484119
Water SourceGroundwater
Last State InspectionMay 2024
Lead2 ppb (2025)
action level 15 ppb

Violations Reported to EPA

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

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 35
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30

May also be available: AT&T, CenturyLink, T-Mobile, Xfinity.

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