3122 Downs Cove Rd, Windermere, FL 34786 Property Records

Orange County property record for 3122 Downs Cove Rd, Windermere, FL 34786 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,500 sqft · built 1984
Lot Size	1.94 acres (84,806 sqft)
Owner	2 Individual Names on File
Tax Bill	$10,978 (2025)
Deeds & Mortgages	Feb 2026 Transfer
Flood Zone	Zone X (minimal risk)
APN	`09-23-28-0000-00-041`

Property Details

APN / Parcel Number

Primary APN	`09-23-28-0000-00-041`
Alternative APNs	`282309000000041` `276042` `280885` `285044`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,500 sqft Living Area
Gross Area	5,375 sqft
1st Floor Area	2,756 sqft
Utility Area	18 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1991
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	84,806 sqft (1.94 acres)
Garage Type	Attached
Garage Area	696 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	1,030 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	3122 DOWNS COVE RD
City	WINDERMERE
State	FL
Zip	34786-8302
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THAT PART OF NE 1/4 OF SEC 09-23-28 DESC AS FROM NE COR OF BLK A DOWNS COVE CAMP SITES Q/121 TH N 290FT TH S89-41-15W 4 5FT FOR POB TH S89-41-15W 174FT TH S39-27-10W 481.07FT TH S
Legal Range	28E
Legal Township	23S
Legal Section	09
Legal Subdivision	ACREAGE & UNREC
Legal Tract	0000
Legal Block	A
Legal Lot Number	41
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1006
Census Tract	14814

Owner

Source: Orange County records · APN 09-23-28-0000-00-041

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 Individual Names on File
Mailing Address	3122 DOWNS COVE RD, WINDERMERE, FL 34786-8302
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Feb 10, 2026
Transfer Doc	0000089054
Record Updated	Jun 08, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE FL
Recording Date	Feb 16, 2026
Property Address	3122 DOWNS COVE RD, WINDERMERE, FL 34786-8302
Document Number	0000089054
Instrument Date	Feb 10, 2026
Instrument	20260089054
Transaction Type	Transfer
Record Updated	Feb 26, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3122 DOWNS COVE RD, WINDERMERE, FL 34786-8302

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3122 DOWNS COVE RD, WINDERMERE, FL 34786-8302

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Orange County
Unified School District	Orange County School District (PK - 12)

Tax Bill & Assessment History

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		$704,589 (+2.7%)	$1,863,060 (-1.4%) Land $1,100,000 Building $763,060
2025	$10,978.00 (+3.78%) Homeowner's exemption	$686,065 (+5.99%)	$1,889,430 (+4.83%) Land $1,100,000 Building $789,430
2024	$10,578.00 (+7.24%)
2023	$9,864.00 (+3.16%) Homeowner's exemption	$647,311 (+3%)	$1,802,352 (+20.47%) Land $1,100,000 Building $702,352
2022	$9,562.00 Homeowner's exemption	$628,457	$1,496,146 Land $900,000 Building $596,146

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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 37 individual NFIP policies nearby
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, rainfall accumulation, Hurricane Milton

Wildfire

Wildfire Risk	Low above 36% of the US · above 10% of Florida
Wildfire Likelihood	About 1 in 2,041 per year
Exposure	Direct 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

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 35
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (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.