326 Forest St, Windermere, FL 34786 Property Records

Orange County property record for 326 Forest St, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,292 sqft · built 1979
Lot Size	0.385 acres (16,749 sqft)
Owner	2 Company Names on Record
Last Sale	$450,000 (Feb 2017)
Tax Bill	$11,530 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Apr 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`17-23-28-9336-03-230`

Property Details

APN / Parcel Number

Primary APN	`17-23-28-9336-03-230`
Alternative APNs	`282317933603230` `284438` `289283` `293446`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,292 sqft Living Area
Gross Area	3,287 sqft
1st Floor Area	2,292 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1982
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	16,749 sqft (0.385 acres)
Lot Width	100 ft Width
Garage Type	Attached
Garage Area	625 sqft
Parking Spaces	2 Parking Spaces
Porch	Screened/Unfinished Porch
Porch Area	370 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	326 FOREST ST
City	WINDERMERE
State	FL
Zip	34786-8557
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFR
Legal Description	PLAT OF WINDERMERE G/36 LOT 323
Legal Range	28E
Legal Township	23S
Legal Section	17
Legal Subdivision	WINDERMERE
Legal Tract	9336
Legal Block	3
Legal Lot Number	323
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1023
Census Tract	14809

Owner

Source: Orange County records, 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 Company Names on Record
Mailing Address	326 FOREST ST, WINDERMERE, FL 34786-8557
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2025	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA
Apr 6, 2021	Deed of Trust, Mortgage · Line of Credit VYSTAR CU
Jan 21, 2021	Quit Claim Deed, Transfer ATTORNEY ONLY
Feb 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BK NA
Mar 6, 2017	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 1, 2017 · Amount on Record
Deed Sale	Feb 1, 2017 · Amount on Record
Prior Sale	Dec 7, 2009 · Amount on Record
Last Transfer Date	Oct 12, 2020
Transfer Doc	0000040128
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	326 FOREST ST, WINDERMERE, FL 34786-8557
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	326 FOREST ST, WINDERMERE, FL 34786-8557

Mortgage

Document Number	0000527458
Date	Sep 10, 2025
Instrument	20250527458

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	326 FOREST ST, WINDERMERE, FL 34786-8557
Transaction Type	Mortgage
Record Updated	Apr 26, 2021
Title Company	ASSURE AMERICA TITLE COMPANY, ASSURE AMERICA TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	326 FOREST ST, WINDERMERE, FL 34786-8557

Mortgage

Document Number	20210195434
Date	Apr 6, 2021
Instrument	20210195434

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 1, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE FL
Recording Date	Jan 21, 2021
Property Address	326 FOREST ST, WINDERMERE, FL 34786-8557
Document Number	0000040128
Instrument Date	Oct 12, 2020
Instrument	40128
Transaction Type	Transfer
Record Updated	Feb 5, 2021
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	326 FOREST ST WINDERMERE FL 347868557, WINDERMERE, FL 34786-8557

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	326 FOREST ST, WINDERMERE, FL 34786-8557
Document Number	0000137218
Instrument Date	Feb 24, 2020
Transaction Type	Mortgage
Record Updated	Apr 13, 2020
Title Company	WORLDWIDE RECORDING INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	326 FOREST ST WINDERMERE FL 347868557, WINDERMERE, FL 34786-8557

Mortgage

Document Number	0000137218
Date	Mar 3, 2020
Instrument	137218

Lender

Name	FIFTH THIRD BK NA
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 2, 2035

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Mar 6, 2017
Property Address	326 FOREST ST, WINDERMERE, FL 34786-8557
Document Number	0000116716
Instrument Date	Feb 28, 2017
Instrument	116716
Transaction Type	Transfer
Record Updated	Sep 9, 2019
Title Company	FLORIDA TITLE AND GUARANTEE, FLORIDA TITLE & GNTE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,150.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	326 FOREST ST WINDERMERE FL 347868557, WINDERMERE, FL 34786-8557

Mortgage

Document Number	116717
Date	Mar 6, 2017
Instrument	116717

Lender

Name	FIFTH THIRD MTG
Type	Mortgage Company
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 5, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$657,590 (-0.71%) Land $365,000 Building $292,590	$657,590 (-1.5%) Land $365,000 Building $292,590
2025	$11,530.00 (+6.52%)	$662,270 (+4.16%)	$667,610 (+5%) Land $365,000 Building $302,610
2024	$10,824.00 (+6.99%)
2023	$10,117.00 (+16.07%)	$635,821 (+27.78%) Land $365,000 Building $270,821	$635,821 (+27.78%) Land $365,000 Building $270,821
2022	$8,716.00	$497,574 Land $265,000 Building $232,574	$497,574 Land $265,000 Building $232,574

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 19 policies
Nearby Flood Policies	19 in force
Nearby Flood Claims	8 (2004–2017)
Claims Outside the SFHA	5 of 8
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 3 claims Hurricane Frances, Sep 2004 · 4 claims

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 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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 128 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Verizon.

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