3160 Downs Cove Rd, Windermere, FL 34786 Property Records

Orange County property record for 3160 Downs Cove Rd, Windermere, FL 34786 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,946 sqft · built 1958
Lot Size	0.911 acres (39,686 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Nov 1998)
Tax Bill	$7,166 (2025)
Deeds & Mortgages	Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-23-28-2196-01-002`

Property Details

APN / Parcel Number

Primary APN	`09-23-28-2196-01-002`
Alternative APNs	`282309219601002` `276074` `280918` `285076`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,946 sqft Living Area
Gross Area	3,586 sqft
1st Floor Area	2,504 sqft
Basement Area	552 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1990
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	39,686 sqft (0.911 acres)
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	24 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3160 DOWNS COVE RD
City	WINDERMERE
State	FL
Zip	34786-8302
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOWNS COVE CAMP SITES Q/121 BEG NE COR BLK A RUN W 186.52 FT RUN S 79.69 FT S 68 DEG W 287.83 FT S 21 DEG E 20 FT N 68 D EG E 280 FT S 21 DEG E 121.90 FT E 142.90 FT N 215 FT TO POB
Legal Range	28E
Legal Township	23S
Legal Section	09
Legal Subdivision	DOWNS COVE CAMP SITES
Legal Tract	2196
Legal Block	A
Legal Lot Number	2
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1006
Census Tract	14814

Owner

Source: Orange County records · APN 09-23-28-2196-01-002

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	3160 DOWNS COVE RD, WINDERMERE, FL 34786-8302
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 24, 1998 · Amount on Record
Deed Sale	Nov 24, 1998 · Amount on Record
Prior Sale	Aug 12, 1998 · Amount on Record
Deed Book / Page	5622 / 4782
Record Updated	Jun 08, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	3160 DOWNS COVE RD, WINDERMERE, FL 34786-8302
Document Number	0000442305
Instrument Date	Aug 06, 2020
Transaction Type	Mortgage
Record Updated	Sep 09, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3160 DOWNS COVE RD WINDERMERE FL 347868302, WINDERMERE, FL 34786-8302

Mortgage

Document Number	0000442305
Date	Aug 21, 2020
Instrument	442305

Lender

Name	WATERSTONE MTG CORP
Type	Mortgage Company
Address	SAINT OLAF, IA 52072

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 20, 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		$470,826 (+2.7%)	$1,094,320 (-0.66%) Land $700,000 Building $394,320
2025	$7,166.00 (+4.35%) Homeowner's exemption Widower's exemption	$458,448 (+5.99%)	$1,101,580 (+4.47%) Land $700,000 Building $401,580
2024	$6,867.00 (+7.28%)
2023	$6,401.00 (+2.27%) Homeowner's exemption Widower's exemption	$432,551 (+3%)	$1,054,412 (+24.27%) Land $700,000 Building $354,412
2022	$6,259.00 Homeowner's exemption Widower's exemption	$419,952	$848,485 Land $550,000 Building $298,485

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.