Orange County property record for 3202 Downs Cove Rd, Windermere, FL 34786 · Last verified May 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,412 sqft · built 1994 |
| Lot Size | 0.288 acres (12,530 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $6,342 (2025) |
| Deeds & Mortgages | Jan 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-23-28-2196-03-010 |
| Primary APN | 09-23-28-2196-03-010 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,412 sqft Living Area |
| Gross Area | 2,714 sqft |
| 1st Floor Area | 1,640 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,530 sqft (0.288 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 88 sqft |
| Patio Area | 78 sqft |
| Shed | 1 Shed |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 3202 DOWNS COVE RD |
|---|---|
| City | WINDERMERE |
| State | FL |
| Zip | 34786-8304 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOWNS COVE CAMP SITES Q/121 LOT 1 BLK C |
| Legal Range | 28E |
| Legal Township | 23S |
| Legal Section | 09 |
| Legal Subdivision | DOWNS COVE CAMP SITES |
| Legal Tract | 2196 |
| Legal Block | C |
| Legal Lot Number | 1 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 14814 |
Source: Orange County records · APN 09-23-28-2196-03-010
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 | 3202 DOWNS COVE RD, WINDERMERE, FL 34786-8304 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 3202 DOWNS COVE RD, WINDERMERE, FL 34786-8304 |
| Document Number | 0000034006 |
| Instrument Date | Jan 08, 2021 |
| Transaction Type | Mortgage |
| Record Updated | Feb 04, 2021 |
| Title Company | TITLE365 - OMAHA |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 3202 DOWNS COVE RD WINDERMERE FL 347868304, WINDERMERE, FL 34786-8304 |
| Document Number | 0000034006 |
|---|---|
| Date | Jan 20, 2021 |
| Instrument | 34006 |
| Name | TRUIST BK |
|---|---|
| Address | ORLANDO, FL 32809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 19, 2051 |
| Rate Type | Adjustable Rate |
|---|
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 | $414,060 (+2.7%) | $1,240,260 (-0.4%) Land $950,000 Building $290,260 | |
| 2025 | $6,342.00 (+4.52%) Homeowner's exemption | $403,174 (+5.99%) | $1,245,220 (+2.76%) Land $950,000 Building $295,220 |
| 2024 | $6,068.00 (+7.25%) | ||
| 2023 | $5,658.00 (+3.49%) Homeowner's exemption | $380,399 (+3%) | $1,211,783 (+24.65%) Land $950,000 Building $261,783 |
| 2022 | $5,467.00 Homeowner's exemption | $369,319 | $972,111 Land $750,000 Building $222,111 |
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
| 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 100 ft |
| 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.
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