Orange County property record for 3156 Downs Cove Rd, Windermere, FL 34786
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 3,027 sqft · built 1978 |
| Lot Size | 0.793 acres (34,527 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $5,791 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-23-28-2196-01-003 |
| Primary APN | 09-23-28-2196-01-003 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 3,027 sqft Living Area |
| Gross Area | 4,084 sqft |
| 1st Floor Area | 2,967 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 34,527 sqft (0.793 acres) |
| Garage Type | Attached |
| Garage Area | 752 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 365 sqft |
| Patio Area | 30 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 3156 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 | DOWNS COVE CAMP SITES Q/121 BEG AT NE COR OF BLK A RUN W 186 .52 FT S 79.69 FT S 68 DEG W 287.83 FT N 21 DEG W 53.38 FT N 51 DEG E 264.91 FT E 266.65 FT S 30 FT TO POB (LESS E 45 FT |
| Legal Range | 28E |
| Legal Township | 23S |
| Legal Section | 09 |
| Legal Subdivision | DOWNS COVE CAMP SITES |
| Legal Tract | 2196 |
| Legal Block | A |
| Legal Lot Number | 3 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 14814 |
Source: Orange County records · APN 09-23-28-2196-01-003
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 | Individual Name on File |
|---|---|
| Mailing Address | 3156 DOWNS COVE RD, WINDERMERE, FL 34786-8302 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | Mar 13, 2009 |
| Transfer Doc | 0000152404 |
| Record Updated | Jun 08, 2026 |
Source: Orange County records · Assessment roll updated April 30, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Unified School District | Orange County School District (PK - 12) |
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 | $384,649 (+2.7%) | $1,383,870 (-0.56%) Land $950,000 Building $433,870 | |
| 2025 | $5,791.00 (+4.72%) Homeowner's exemption Widower's exemption | $374,537 (+5.99%) | $1,391,600 (+3.74%) Land $950,000 Building $441,600 |
| 2024 | $5,530.00 (+7.32%) | ||
| 2023 | $5,153.00 (+2.14%) Homeowner's exemption Widower's exemption | $353,381 (+3%) | $1,341,376 (+24.01%) Land $950,000 Building $391,376 |
| 2022 | $5,045.00 Homeowner's exemption Widower's exemption | $343,088 | $1,081,705 Land $750,000 Building $331,705 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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, Lumen Technologies, T-Mobile USA, Xfinity.
Based on FCC filings for 119 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | OCUD/SOUTHERN WATER SYS (5 WPS) serves 80,738 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2024 |
| Lead | 2 ppb (2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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