3819 McKinnon Rd, Windermere, FL 34786 Property Records

Orange County property record for 3819 McKinnon Rd, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,399 sqft · built 1982
Lot Size	2.52 acres (109,752 sqft)
Owner	2 Individual Names on File
Last Sale	$800,000 (Apr 2022)
Tax Bill	$11,405 (2025)
Deeds & Mortgages	Jan 2024 Line of Credit Apr 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-23-27-0000-00-023`

Property Details

APN / Parcel Number

Primary APN	`12-23-27-0000-00-023`
Alternative APNs	`272312000000023` `138428` `139283` `140799`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,399 sqft Living Area
Gross Area	3,573 sqft
1st Floor Area	2,255 sqft
Basement Area	180 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 2020
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	109,752 sqft (2.52 acres)
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	440 sqft
Utility Building	192 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3819 MCKINNON RD
City	WINDERMERE
State	FL
Zip	34786-7716
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	BEG 360 FT W OF NE COR OF SW1/4 OF NW1/4 RUN W 300 FT S 41 D EG E 858.32 FT E 70 FT N 27 DEG W 730.59 FT TO POB (LESS N 2 5 FT FOR RD R/W) IN SEC 12-23-27
Legal Range	27E
Legal Township	23S
Legal Section	12
Legal Subdivision	ACREAGE & UNREC
Legal Tract	0000
Legal Lot Number	23
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1011
Census Tract	17115

Owner

3819 McKinnon Rd is owned and occupied by two individuals who bought it in April 2022.

Source: Orange County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3819 MCKINNON RD, WINDERMERE, FL 34786-7716
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2024	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Apr 13, 2022	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Sep 1, 2020	Quit Claim Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 13, 2022 · Amount on File
Deed Sale	Apr 13, 2022 · Amount on File
Prior Sale	Jun 20, 2003 · Amount on File
Deed Document Number	2022241957
Prior Transfer Date	Aug 25, 2020
Prior Transfer Doc	0000457965
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	3819 MCKINNON RD, WINDERMERE, FL 34786-7716
Transaction Type	Mortgage
Record Updated	Feb 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3819 MCKINNON RD, WINDERMERE, FL 34786-7716

Mortgage

Document Number	0000037543
Date	Jan 19, 2024
Instrument	20240037543

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 9, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Apr 13, 2022
Property Address	3819 MCKINNON RD, WINDERMERE, FL 34786-7716
Document Number	0000241957
Instrument Date	Apr 8, 2022
Instrument	20220241957
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	CHAMPION TITLE AND CLOSING, CHAMPION TITLE & CLOSING

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,600.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	404 COURTLEA CREEK DR, 404, WINTER GARDEN, FL 34787-4503

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3819 MCKINNON RD, WINDERMERE, FL 34786-7716

Mortgage

Document Number	0000241958
Date	Apr 13, 2022
Instrument	20220241958

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2037

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE FL
Recording Date	Sep 1, 2020
Property Address	3819 MCKINNON RD, WINDERMERE, FL 34786-7716
Document Number	0000457965
Instrument Date	Aug 25, 2020
Instrument	457965
Transaction Type	Transfer
Record Updated	Sep 24, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/OREGON

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	819 MCKINNON RD WINDERMERE FL 34786, WINDERMERE, FL 34786

Mortgage

Document Number	457966
Date	Sep 1, 2020
Instrument	457966

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 31, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 3819 McKinnon Rd was $11,405, up 3.7% from the year before.

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		$741,963 (+2.7%)	$817,470 (+13.12%) Land $375,000 Building $442,470
2025	$11,405.00 (+3.74%) Homeowner's exemption	$722,457	$722,640 Land $275,000 Building $447,640
2024	$10,994.00 (+2.81%)
2023	$10,694.00 (+230.37%)	$670,860 (+184.19%) Land $275,000 Building $395,860	$670,860 (+70.24%) Land $275,000 Building $395,860
2022	$3,237.00 Homeowner's exemption	$236,064	$394,069 Land $200,000 Building $194,069

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

Flood

FEMA maps place 3819 McKinnon Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File median of 34 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	34 in force

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

Wildfire risk around 3819 McKinnon Rd is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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	WINTER GARDEN WATER DEPT (3 WPS) serves 72,205 people · EPA ID FL3481481
Water Source	Groundwater
Last State Inspection	Feb 2024
Also Mapped Here	OCUD/SOUTHERN WATER SYS (5 WPS), OCUD/WESTERN REGIONAL WTR SYS (5 WPS)
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 71 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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