3241 Downs Cove Rd, Windermere, FL 34786 Property Records

Orange County property record for 3241 Downs Cove Rd, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,095 sqft · built 1988
Lot Size	0.227 acres (9,876 sqft)
Owner	2 Individual Names on File
Last Sale	$680,000 (Jan 2026)
Tax Bill	$4,888 (2025)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Dec 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-23-28-2196-02-001`

Property Details

APN / Parcel Number

Primary APN	`09-23-28-2196-02-001`
Alternative APNs	`282309219602001` `276076` `280920` `285079`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,095 sqft Living Area
Gross Area	3,184 sqft
1st Floor Area	1,071 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,876 sqft (0.227 acres)
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	417 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3241 DOWNS COVE RD
City	WINDERMERE
State	FL
Zip	34786-8304
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-CE
Legal Description	DOWNS COVE CAMP SITES Q/121 ALL BLOCK B
Legal Range	28E
Legal Township	23S
Legal Section	09
Legal Subdivision	DOWNS COVE CAMP SITES
Legal Tract	2196
Legal Block	B
Legal Lot Number	1
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1006
Census Tract	14814

Owner

Source: Orange County assessment roll, as of April 30, 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	3241 DOWNS COVE RD, WINDERMERE, FL 34786-8304
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2026	Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Dec 10, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Dec 10, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 21, 2026 · Amount on Record
Deed Sale	Jan 21, 2026 · Amount on Record
Prior Sale	Dec 10, 2019 · Amount on Record
Deed Document Number	202637323
Prior Transfer Date	Dec 9, 2019
Prior Transfer Doc	0000772763
Record Updated	Sep 20, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jan 21, 2026
Property Address	3241 DOWNS COVE RD, WINDERMERE, FL 34786-8304
Document Number	0000037323
Map Reference	MB Q PG 121
Instrument Date	Jan 20, 2026
Instrument	20260037323
Transaction Type	Transfer
Record Updated	Jan 30, 2026
Title Company	HOMETOWN TITLE GROUP INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,760.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3266 DOWNS COVE RD, WINDERMERE, FL 34786-8304

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3241 DOWNS COVE RD, WINDERMERE, FL 34786-8304

Mortgage

Document Number	0000037324
Date	Jan 21, 2026
Instrument	20260037324

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE FL
Recording Date	Dec 10, 2019
Property Address	3241 DOWNS COVE RD, WINDERMERE, FL 34786-8304
Document Number	0000772763
Instrument Date	Dec 9, 2019
Instrument	772763
Transaction Type	Transfer
Record Updated	Jan 7, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3266 DOWNS COVE RD WINDERMERE FL 347868304, WINDERMERE, FL 34786-8304

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Dec 10, 2019
Property Address	3241 DOWNS COVE RD, WINDERMERE, FL 34786-8304
Document Number	0000772760
Instrument Date	Dec 6, 2019
Instrument	772760
Transaction Type	Transfer
Record Updated	Jan 3, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$3,073.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3266 DOWNS COVE RD WINDERMERE FL 347868304, WINDERMERE, FL 34786-8304

Tax Assessment & Valuation

Source: Orange County assessment roll, as of April 30, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$275,312 (+1%)	$304,590 (-1.83%) Land $75,000 Building $229,590
2025	$4,888.00 (+18.84%)	$250,284 (+16.85%)	$310,260 (+44.85%) Land $75,000 Building $235,260
2024	$4,113.00 (+15.86%)
2023	$3,550.00 (+11.92%)	$214,201 (+15.5%) Land $30,000 Building $184,201	$214,201 (+15.5%) Land $30,000 Building $184,201
2022	$3,172.00	$185,454 Land $30,000 Building $155,454	$185,454 Land $30,000 Building $155,454

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 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

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	OCUD/SOUTHERN WATER SYS (5 WPS) serves 80,738 people · EPA ID FL3484119
Water Source	Groundwater
Last State Inspection	May 2024
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 119 locations within half a mile, as of December 31, 2025

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.

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