3120 Downs Cove Rd, Windermere, FL 34786 Property Records

Orange County property record for 3120 Downs Cove Rd, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	6 bd · 7.5 ba · 7,608 sqft · built 1984
Lot Size	2.05 acres (89,615 sqft)
Owner	Individual Name on Record
Last Sale	$1,430,000 (Jun 2004)
Tax Bill	$30,231 (2025)
Deeds & Mortgages	Jun 2020 Line of Credit May 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`09-23-28-0000-00-031`

Property Details

APN / Parcel Number

Primary APN	`09-23-28-0000-00-031`
Alternative APNs	`282309000000031` `276034` `280877` `285036`

Interior

Bedrooms	6 Beds
Full Baths	7.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	7,608 sqft Living Area
Gross Area	12,329 sqft
1st Floor Area	3,922 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1995
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	89,615 sqft (2.05 acres)
Garage Type	Attached
Garage Area	2,180 sqft
Parking Spaces	8 Parking Spaces

Exterior Amenities

Porch	Florida Room
Porch Area	2,310 sqft
Patio Area	133 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3120 DOWNS COVE RD
City	WINDERMERE
State	FL
Zip	34786-8302
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-CE
Legal Description	FROM NE COR OF BLK A DOWNS COVE CAMP SITES Q/121 RUN N 355 F T & W 45 FT TO POB TH W 400 FT S 18 DEG W 488.53 FT S 19 FT M/L TO LAKE WLY 115 FT M/L N 589 FT E 635 FT S 25 FT TO POB
Legal Range	28E
Legal Township	23S
Legal Section	09
Legal Subdivision	DOWNS COVE CAMP SITES
Legal Tract	0000
Legal Block	A
Legal Lot Number	31
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1006
Census Tract	14814

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 Record	Individual Name on Record
Mailing Address	3120 DOWNS COVE RD, WINDERMERE, FL 34786-8302
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2020	Deed of Trust, Mortgage · Line of Credit SEACOAST NAT'L BK
May 1, 2017	Loan Modification, Mortgage FIRST GREEN BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2004 · Amount on Record
Deed Sale	Jun 1, 2004 · Amount on Record
Prior Sale	Apr 4, 1994 · Amount on Record
Deed Document Number	2004352561
Deed Book / Page	7470 / 428
Last Transfer Date	Aug 10, 2016
Transfer Doc	0000432474
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	3120 DOWNS COVE RD, WINDERMERE, FL 34786-8302
Document Number	0000321898
Instrument Date	Jun 1, 2020
Transaction Type	Mortgage
Record Updated	Jun 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3120 DOWNS COVE RD WINDERMERE FL 347868302, WINDERMERE, FL 34786-8302

Mortgage

Document Number	0000321898
Date	Jun 10, 2020
Instrument	321898

Lender

Name	SEACOAST NAT'L BK
Type	Bank
Address	STUART, FL 34995

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jun 9, 2035

Interest

Rate Type	Adjustable Rate

May 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ORANGE FL
Property Address	3120 DOWNS COVE RD, WINDERMERE, FL 34786-8302
Document Number	0000307904
Instrument Date	May 1, 2017
Transaction Type	Mortgage
Record Updated	Jun 16, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3120 DOWNS COVE RD WINDERMERE FL 347868302, WINDERMERE, FL 34786-8302

Mortgage

Document Number	0000307904
Date	Jun 2, 2017
Instrument	307904

Lender

Name	FIRST GREEN BK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2047

Interest

Rate Type	Fixed Rate
Rate	4.5%

Tax Assessment & Valuation

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		$1,911,008 (+2.7%)	$2,965,920 (-2.14%) Land $1,100,000 Building $1,865,920
2025	$30,231.00 (+3.16%) Homeowner's exemption	$1,860,767 (+5.99%)	$3,030,800 (+5.13%) Land $1,100,000 Building $1,930,800
2024	$29,305.00 (+7.21%)
2023	$27,334.00 (+2.89%) Homeowner's exemption	$1,755,656 (+3%)	$2,882,805 (+19.42%) Land $1,100,000 Building $1,782,805
2022	$26,566.00 Homeowner's exemption	$1,704,520	$2,414,006 Land $900,000 Building $1,514,006

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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 37 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	37 in force
Nearby Flood Claims	2 (2022–2024)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 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 Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Direct 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 System	OCUD/SOUTHERN WATER SYS (5 WPS) serves 80,738 people · EPA ID FL3484119
Water Source	Groundwater
Last State Inspection	May 2024
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

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, 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

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, CenturyLink, T-Mobile, Xfinity.

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