Orange County property record for 40 Main St, Windermere, FL 34786 · Last verified May 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 5 Beds |
| Bathrooms | 5.5 Baths |
| Year Built | Built 2004 |
| Square Footage | 3,769 sqft Living Area |
| Lot Size | 23,887 sqft (0.548 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $1,440,000 (2019) |
| Tax Bill | $24,775.00 (2025) |
| Primary APN | 08-23-28-4348-00-050 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5.5 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 3,769 sqft Living Area |
| Gross Area | 5,269 sqft Gross Area |
| 1st Floor | 2,984 sqft 1st Floor |
| Stories | 2 Stories |
| Primary Flooring | Wood Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Concrete Block Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Metal Roof |
| Lot Area | 23,887 sqft (0.548 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 575 sqft Garage |
| Total Buildings | 2 Total Buildings |
|---|---|
| Patio Area | 148 sqft Patio |
| Porch Area | 639 sqft Porch |
| Boat Access | Boat Access |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Heating Fuel | Electric Heating Fuel |
| Street Address | 40 MAIN ST |
|---|---|
| City | WINDERMERE |
| State | FL |
| Zip | 34786-8640 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | REPLAT PART OF LAKE BUTLER PARK R/39 LOT 5 & N1/2 LOT 6 & SL Y 10 FT OF LOT 4 |
| Legal Range | 28E |
| Legal Township | 23S |
| Legal Section | 08 |
| Legal Subdivision | LAKE BUTLER PARK REP |
| Legal Tract | 4348 |
| Legal Lot Number | 5,6,4 |
| Jurisdiction | ORANGE FL |
| Minor Civil Division | SOUTHWEST ORANGE |
| Census Blockgroup | 1 |
| Census Block | 1004 |
| Census Tract | 14809 |
Source: Orange County records · APN 08-23-28-4348-00-050
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 40 MAIN ST, WINDERMERE, FL 34786-8640 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Oct 31, 2022 | Deed of Trust, Mortgage · Line of Credit COGENT BANK |
| May 03, 2021 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| May 03, 2021 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Sep 20, 2019 | Warranty Deed, Transfer · Adjustable Rate Mortgage (ARM) COGENT BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 20, 2019 · Amount on Record |
| Deed Sale | Sep 20, 2019 · Amount on Record |
| Prior Sale | Apr 06, 2015 · Amount on Record |
| Deed Doc Number | 2019587559 |
| Prior Transfer Date | Oct 15, 2004 |
| Prior Transfer Doc | 0000780923 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 40 MAIN ST, WINDERMERE, FL 34786-8640 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2022 |
| Name | Verified Name |
|---|---|
| Address | 40 MAIN ST, WINDERMERE, FL 34786-8640 |
| Document Number | 0000660458 |
|---|---|
| Date | Oct 31, 2022 |
| Instrument | 20220660458 |
| Name | COGENT BANK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 40 MAIN ST, WINDERMERE, FL 34786-8640 |
| Transaction Type | Mortgage |
| Record Updated | Jan 03, 2022 |
| Name | Verified Name |
|---|---|
| Address | 40 MAIN ST, WINDERMERE, FL 34786-8640 |
| Document Number | 0000265045 |
|---|---|
| Date | May 03, 2021 |
| Instrument | 20210265045 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3% |
| Type Change Date | May 01, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 8% |
| Index | 1-Year CMT |
| Max Rate | 8% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 40 MAIN ST, WINDERMERE, FL 34786-8640 |
| Transaction Type | Mortgage |
| Record Updated | May 19, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 40 MAIN ST, WINDERMERE, FL 34786-8640 |
| Document Number | 20210265045 |
|---|---|
| Date | May 03, 2021 |
| Instrument | 20210265045 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3% |
| Type Change Date | May 01, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 8% |
| Index | 1-Year CMT |
| Max Rate | 8% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Sep 20, 2019 |
| Property Address | 40 MAIN ST, WINDERMERE, FL 34786-8640 |
| Document Number | 0000587559 |
| Map Reference | MB R PG 39 |
| Instrument Date | Sep 16, 2019 |
| Instrument | 20190587559 |
| Transaction Type | Transfer |
| Record Updated | Jan 03, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $10,080.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7344 S HIGHWAY A1A, 7344, MELBOURNE, FL 32951-3513 |
| Name | Verified Name |
|---|---|
| Address | 40 MAIN ST, WINDERMERE, FL 34786-8640 |
| Document Number | 0000587560 |
|---|---|
| Date | Sep 20, 2019 |
| Instrument | 20190587560 |
| Name | COGENT BANK |
|---|---|
| Type | Bank |
| Type | Adjustable Rate Mortgage (ARM) |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
| Type Change Date | Oct 01, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 5.62% |
| Index | 1-Year LIBOR |
| Max Rate | 8.62% |
Source: Orange County records · Assessment roll updated April 30, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Municipality | Windermere Town |
| 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 | $1,554,270 (+2.7%) | $1,951,450 (-0.89%) Land $900,000 Building $1,051,450 | |
| 2025 | $24,775.00 (+2.91%) Homeowner's exemption | $1,513,408 (+5.99%) | $1,968,900 (+6.68%) Land $900,000 Building $1,068,900 |
| 2024 | $24,075.00 (+3.3%) | ||
| 2023 | $23,305.00 (+2.84%) Homeowner's exemption | $1,427,918 (+3%) | $1,845,592 (+21.86%) Land $900,000 Building $945,592 |
| 2022 | $22,661.00 Homeowner's exemption | $1,386,328 | $1,514,538 Land $715,000 Building $799,538 |
Source: FEMA National Flood Hazard Layer, Orange County (12095C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| 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; lenders make the official flood determination.
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