4089 Isabella Cir, Windermere, FL 34786 Property Records

Orange County property record for 4089 Isabella Cir, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	5 bd · 7.5 ba · 6,507 sqft · built 2017
Lot Size	0.5 acres (21,796 sqft)
Owner	Individual Name on Record
Last Sale	$1,833,658 (Nov 2017)
Tax Bill	$41,574 (2025)
Deeds & Mortgages	Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-23-27-0570-00-510`

Property Details

APN / Parcel Number

Primary APN	`12-23-27-0570-00-510`
Alternative APNs	`272312057000510` `138464` `139321` `140835`

Interior

Bedrooms	5 Beds
Full Baths	7.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	6,507 sqft Living Area
Gross Area	10,699 sqft
1st Floor Area	4,536 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	21,796 sqft (0.5 acres)
Garage Type	Attached
Garage Area	1,015 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	1,404 sqft
Water Feature	Water Feature

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4089 ISABELLA CIR
City	WINDERMERE
State	FL
Zip	34786-9530
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSTD R-CE-
Legal Description	CASABELLA PHASE 2 85/95 LOT 51
Legal Range	27E
Legal Township	23S
Legal Section	12
Legal Subdivision	CASABELLA PH 2
Legal Phase	2
Legal Tract	570
Legal Lot Number	51
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1012
Census Tract	17115

Owner

Source: Orange County records, as of May 4, 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	Individual Name on Record
Mailing Address	4089 ISABELLA CIR, WINDERMERE, FL 34786-9530
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 3, 2017 · Amount on Record
Deed Sale	Nov 3, 2017 · Amount on Record
Deed Document Number	2017601597
Record Updated	Jun 8, 2026

November 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Nov 3, 2017
Property Address	4089 ISABELLA CIR, WINDERMERE, FL 34786-9530
Document Number	0000601597
Map Reference	MB 85 PG 95-99
Instrument Date	Oct 10, 2017
Instrument	20170601597
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	WESTMINSTER ABSTRACT COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$12,835.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	250 GIBRALTAR RD, 250, HORSHAM, PA 19044-2323

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4089 ISABELLA CIR, WINDERMERE, FL 34786-9530

Mortgage

Document Number	0000601598
Date	Nov 3, 2017
Instrument	20170601598

Lender

Name	COMPASS BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Nov 1, 2022
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	5.37%
Index	1-Year LIBOR
Margin	2
Max Rate	8.37%

Tax Assessment & Valuation

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		$2,583,430 (+5.7%) Land $350,000 Building $2,233,430	$2,583,430 (-1.3%) Land $350,000 Building $2,233,430
2025	$41,574.00 (+7.65%)	$2,444,034 (+9.69%)	$2,617,440 (+17.47%) Land $350,000 Building $2,267,440
2024	$38,620.00 (+15.41%)
2023	$33,463.00 (+11.88%)	$2,228,113 (+15.19%) Land $350,000 Building $1,878,113	$2,228,113 (+15.19%) Land $350,000 Building $1,878,113
2022	$29,910.00	$1,934,307 Land $350,000 Building $1,584,307	$1,934,307 Land $350,000 Building $1,584,307

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 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

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

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% 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 110 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
CenturyLink Fiber	100 / 100
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20