3128 Downs Cove Rd, Windermere, FL 34786 Property Records

Orange County property record for 3128 Downs Cove Rd, Windermere, FL 34786 · Last verified May 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	7 Beds
Bathrooms	4.5 Baths
Year Built	Built 2010
Square Footage	7,920 sqft Living Area
Lot Size	89,338 sqft (2.05 acres)
Occupancy	Owner Occupied
Last Sale	$2,200,000 (2020)
Tax Bill	$38,347.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`09-23-28-0000-00-042`
Alternative APNs	`282309000000042` `276043` `280886` `285045`

Interior

Bedrooms	7 Beds
Full Baths	4.5 Baths
Partial Baths	1 Partial Baths
Building Area	7,920 sqft Living Area
Gross Area	10,829 sqft Gross Area
1st Floor	4,788 sqft 1st Floor
Basement Area	2,369 sqft Basement
Stories	2 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1983
Effective Year Built	Effective 2010
Exterior Material	Wood Exterior
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	89,338 sqft (2.05 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage
Garage Area	598 sqft Garage

Exterior Amenities

Total Buildings	2 Total Buildings
Shed	1 Shed
Patio Area	836 sqft Patio
Porch Area	978 sqft Porch
Boat Access	Boat Access

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air with Air Conditioning Heating
Heating Fuel	Electric Heating Fuel

Location & Zoning

Street Address	3128 DOWNS COVE RD
City	WINDERMERE
State	FL
Zip	34786-8302
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	FROM NE COR OF BLK A DOWNS COVE CAMPSITES Q/121 RUN N 30 FT W 45 FT TO POB TH RUN W 221.65 FT S 51 DEG W 241 FT M/L WLY 75 FT N 10 FT M/L N 39 DEG E 481.07 FT E 174 FT S 259.75 FT
Legal Range	28E
Legal Township	23S
Legal Section	09
Legal Subdivision	ACREAGE & UNREC
Legal Tract	0000
Legal Block	A
Legal Lot Number	42
Jurisdiction	ORANGE FL
Minor Civil Division	SOUTHWEST ORANGE
Census Blockgroup	1
Census Block	1006
Census Tract	14814

Owner

Source: Orange County records · APN 09-23-28-0000-00-042

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	3128 DOWNS COVE RD, WINDERMERE, FL 34786-8302
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 11, 2020 · Amount on Record
Deed Sale	Aug 11, 2020 · Amount on Record
Prior Sale	Jun 07, 1999 · Amount on Record
Deed Doc Number	2020422210
Record Refreshed	Jun 08, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Aug 11, 2020
Property Address	3128 DOWNS COVE RD, WINDERMERE, FL 34786-8302
Document Number	0000422210
Instrument Date	Aug 05, 2020
Instrument	422210
Transaction Type	Transfer
Record Updated	Aug 27, 2020
Title Company	NETWORK CLOSING SERVICES INC, NETWORK CLOSING SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$15,400.00
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	3128 DOWNS COVE RD WINDERMERE FL 347868302, WINDERMERE, FL 34786-8302

Mortgage

Document Number	422211
Date	Aug 11, 2020
Instrument	422211

Lender

Name	MIDFLORIDA CU ISAOA
Type	Credit Union
Address	PO BOX 8008, LAKELAND, FL 33802-8008

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 10, 2050

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		$2,419,611 (+2.7%)	$2,943,390 (-0.98%) Land $1,100,000 Building $1,843,390
2025	$38,347.00 (+3.08%) Homeowner's exemption	$2,355,999 (+5.99%)	$2,972,530 (+9.63%) Land $1,100,000 Building $1,872,530
2024	$37,200.00 (+7.21%)
2023	$34,698.00 (+2.85%) Homeowner's exemption	$2,222,914 (+3%)	$2,711,366 (+20.04%) Land $1,100,000 Building $1,611,366
2022	$33,735.00 Homeowner's exemption	$2,158,169	$2,258,629 Land $900,000 Building $1,358,629

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Orange County (12095C), updated September 24, 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
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

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; lenders make the official flood determination.