Orange County property record for 3266 Downs Cove Rd, Windermere, FL 34786 · Last verified May 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,801 sqft · built 1947 |
| Lot Size | 1.28 acres (55,840 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,080,000 (Aug 2013) |
| Tax Bill | $18,408 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-23-28-2196-03-081 |
| Primary APN | 09-23-28-2196-03-081 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,801 sqft Living Area |
| Gross Area | 4,032 sqft |
| 1st Floor Area | 2,801 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 55,840 sqft (1.28 acres) |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 763 sqft |
| Boat Access | Boat Access |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 3266 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 LOTS 9 10 & 11 & THE S1/2 OF LOT 8 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 | 9,8 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 14814 |
Source: Orange County records · APN 09-23-28-2196-03-081
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 | 3266 DOWNS COVE RD, WINDERMERE, FL 34786-8304 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 02, 2013 · Amount on Record |
| Deed Sale | Aug 02, 2013 · Amount on Record |
| Deed Document Number | 2013410739 |
| Deed Book / Page | 10612 / 7437 |
| Prior Transfer Date | Oct 07, 2011 |
| Prior Transfer Doc | 0000548378 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 3266 DOWNS COVE RD, WINDERMERE, FL 34786-8304 |
| Transaction Type | Mortgage |
| Record Updated | Aug 01, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3266 DOWNS COVE RD, WINDERMERE, FL 34786-8304 |
| Document Number | 0000052411 |
|---|---|
| Date | Jan 28, 2021 |
| Instrument | 20210052411 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | DOWNERS GROVE, IL 60515 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2051 |
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 | $1,170,151 (+2.7%) | $1,992,820 (-0.41%) Land $1,470,000 Building $522,820 | |
| 2025 | $18,408.00 (+3.39%) Homeowner's exemption | $1,139,388 (+5.99%) | $2,001,000 (+3.15%) Land $1,470,000 Building $531,000 |
| 2024 | $17,805.00 (+7.22%) | ||
| 2023 | $16,606.00 (+2.99%) Homeowner's exemption | $1,075,026 (+3%) | $1,939,965 (+27.8%) Land $1,470,000 Building $469,965 |
| 2022 | $16,124.00 Homeowner's exemption | $1,043,715 | $1,518,023 Land $1,120,000 Building $398,023 |
Source: FEMA National Flood Hazard Layer, Orange County (12095C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120950148141, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Cost | Premium on Record median of 37 individual NFIP policies nearby |
| 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, rainfall accumulation, Hurricane Milton |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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, availability as of December 31, 2025 · Published October 2026 · based on 119 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Cable | 1,000 / 35 |
| Verizon | Fixed Wireless | 300 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: T-Mobile USA, Lumen Technologies, AT&T, Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.
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