3831 McKinnon Rd, Windermere, FL 34786 Property Records

Orange County property record for 3831 McKinnon Rd, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 4,908 sqft · built 1985
Lot Size	1.61 acres (70,500 sqft)
Owner	2 Trust Names on File
Last Sale	$1,110,000 (Jun 2021)
Tax Bill	$16,129 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Feb 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`12-23-27-0000-00-037`

Property Details

APN / Parcel Number

Primary APN	`12-23-27-0000-00-037`
Alternative APNs	`272312000000037` `138439` `139295` `140812`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	4,908 sqft Living Area
Gross Area	6,023 sqft
1st Floor Area	4,908 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	70,500 sqft (1.61 acres)
Garage Type	Attached
Garage Area	1,050 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	851 sqft
Boat Access	Boat Access
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3831 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	FROM NE COR OF SW1/4 OF NW1/4 RUN W 688.91 FT FOR POB S 19 D EG E 350.18 FT N 72 DEG E 65.24 FT S 29 DEG E 43.19 FT N 73 DEG E 83.29 FT S 41 DEG E 427.76 FT S 88 DEG W 57.39 FT N 57
Legal Range	27E
Legal Township	23S
Legal Section	12
Legal Subdivision	ACREAGE & UNREC
Legal Tract	0000
Legal Lot Number	37
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1011
Census Tract	17115

Owner

3831 McKinnon Rd is owner-occupied and held in a trust since June 2021.

Source: Orange County records, as of April 30, 2026

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

Owner of Record	2 Trust Names on File
Mailing Address	3831 MCKINNON RD, WINDERMERE, FL 34786-7716
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2021	Deed of Trust, Mortgage · Commercial Mortgage DML CAPITAL MORTGAGE FUND LLC
Feb 2, 2022	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
Jun 1, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage DML CAPITAL MORTGAGE FUND LLC
Apr 8, 2021	Intrafamily Transfer, Transfer NOT AVAILABLE
Apr 8, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2021 · Amount on File
Deed Sale	Jun 1, 2021 · Amount on File
Deed Document Number	2021326485
Prior Transfer Date	Mar 22, 2021
Prior Transfer Doc	0000206893
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	3831 MCKINNON RD, WINDERMERE, FL 34786-7716
Transaction Type	Mortgage
Record Updated	Jan 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1401 PATHFINDER AVE, WESTLAKE VILLAGE, CA 91362-5298

Mortgage

Document Number	0000326487
Date	Jun 1, 2021
Instrument	20210326487

Lender

Name	DML CAPITAL MORTGAGE FUND LLC
Type	Non-Lending Institution
Address	SAMMAMISH, WA 98075

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	3831 MCKINNON RD, WINDERMERE, FL 34786-7716
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3831 MCKINNON RD, WINDERMERE, FL 34786-7716

Mortgage

Document Number	0000076232
Date	Feb 2, 2022
Instrument	20220076232

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2052

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jun 1, 2021
Property Address	3831 MCKINNON RD, WINDERMERE, FL 34786-7716
Document Number	0000326485
Instrument Date	May 21, 2021
Instrument	20210326485
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	LP TITLE SERVICE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,770.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3831 MCKINNON RD, 3831, WINDERMERE, FL 34786-7716

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust

Mortgage

Document Number	0000326486
Date	Jun 1, 2021
Instrument	20210326486

Lender

Name	DML CAPITAL MORTGAGE FUND LLC
Type	Non-Lending Institution
Address	SAMMAMISH, WA 98075

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE FL
Recording Date	Apr 8, 2021
Property Address	3831 MCKINNON RD, WINDERMERE, FL 34786-7716
Document Number	20210206893
Instrument Date	Mar 22, 2021
Instrument	20210206893
Transaction Type	Transfer
Record Updated	Apr 29, 2021
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	3831 MCKINNON RD, WINDERMERE, FL 34786-7716

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE FL
Recording Date	Apr 8, 2021
Property Address	3831 MCKINNON RD, WINDERMERE, FL 34786-7716
Document Number	0000206893
Instrument Date	Mar 22, 2021
Instrument	20210206893
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	3831 MCKINNON RD, WINDERMERE, FL 34786-7716

Tax Assessment & Valuation

The 2025 property tax bill for 3831 McKinnon Rd was $16,129, up 3.5% 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		$1,005,660 (-0.94%) Land $214,500 Building $791,160	$1,005,660 (-2.59%) Land $214,500 Building $791,160
2025	$16,129.00 (+3.46%) Homeowner's exemption	$1,015,224	$1,032,410 Land $214,500 Building $817,910
2024	$15,589.00 (+25.42%)
2023	$12,429.00 (+26.54%) Homeowner's exemption	$822,396 (+33.73%) Land $214,500 Building $607,896	$822,396 (+33.73%) Land $214,500 Building $607,896
2022	$9,822.00	$614,984 Land $156,000 Building $458,984	$614,984 Land $156,000 Building $458,984

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

Flood

FEMA maps place 3831 McKinnon Rd in Zone X, an area of minimal flood risk, within 100 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 100 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 3831 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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