415 W 3rd Ave, Windermere, FL 34786 Property Records

Orange County property record for 415 W 3rd Ave, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,796 sqft · built 1989
Lot Size	0.402 acres (17,511 sqft)
Owner	2 Individual Names on File
Last Sale	$1,850,000 (Mar 2023)
Tax Bill	$26,289 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-23-28-9336-04-070`

Property Details

APN / Parcel Number

Primary APN	`17-23-28-9336-04-070`
Alternative APNs	`282317933604070` `284515` `289361` `293524`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,796 sqft Living Area
Gross Area	4,820 sqft
1st Floor Area	1,753 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2015
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	17,511 sqft (0.402 acres)
Lot Width	87 ft Width
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Florida Room
Porch Area	1,512 sqft
Patio Area	130 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	415 W 3RD AVE
City	WINDERMERE
State	FL
Zip	34786-8523
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFR
Legal Description	PLAT OF WINDERMERE G/36 LOT 407
Legal Range	28E
Legal Township	23S
Legal Section	17
Legal Subdivision	WINDERMERE
Legal Tract	9336
Legal Block	4
Legal Lot Number	407
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1010
Census Tract	14809

Owner

Source: Orange County assessment roll, as of April 30, 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	415 W 3RD AVE, WINDERMERE, FL 34786-8523
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2023	Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK
Mar 17, 2020	Warranty Deed, Transfer JOHN P JR & ELIZABETH A LUFF

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 15, 2023 · Amount on Record
Deed Sale	Mar 15, 2023 · Amount on Record
Prior Sale	Mar 17, 2020 · Amount on Record
Deed Document Number	2023147587
Record Updated	Jun 8, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Mar 15, 2023
Property Address	415 W 3RD AVE, WINDERMERE, FL 34786-8523
Document Number	0000147587
Map Reference	MB G PG 36-39
Instrument Date	Mar 14, 2023
Instrument	20230147587
Transaction Type	Transfer
Record Updated	Mar 28, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$12,950.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	415 W 3RD AVE, WINDERMERE, FL 34786-8523

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 W 3RD AVE, WINDERMERE, FL 34786-8523

Mortgage

Document Number	0000147588
Date	Mar 15, 2023
Instrument	20230147588

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.52%
Type Change Date	Apr 1, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.5%
Index	Other
Margin	3
Max Rate	10.5%

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Mar 17, 2020
Property Address	415 W 3RD AVE, WINDERMERE, FL 34786-8523
Document Number	0000171288
Instrument Date	Mar 12, 2020
Instrument	171288
Transaction Type	Transfer
Record Updated	Apr 27, 2020
Title Company	FIRST INT'L TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,550.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12921 RAILHEAD CT FRISCO TX 750332601, FRISCO, TX 75033-2601

Mortgage

Document Number	171289
Date	Mar 17, 2020
Instrument	171289

Lender

Name	JOHN P JR & ELIZABETH A LUFF
Address	8005 NW LOVETT RD # EO, GREENVILLE, FL 32331-2711
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded
Term	24 Months
Due	Mar 16, 2022

Tax Assessment & Valuation

Source: Orange County assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Orange County
Municipality	Windermere Town
Unified School District	Orange County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,601,280 (-0.28%) Land $360,000 Building $1,241,280	$1,601,280 (-1.15%) Land $360,000 Building $1,241,280
2025	$26,289.00 (+5.4%) Homeowner's exemption	$1,605,759 (+132.44%)	$1,619,900 (+90.91%) Land $360,000 Building $1,259,900
2024	$24,942.00 (+121.73%)
2023	$11,249.00 (+3.06%) Homeowner's exemption	$690,841 (+3%)	$848,516 (+26.51%) Land $360,000 Building $488,516
2022	$10,915.00 Homeowner's exemption	$670,719 Land $260,000 Building $410,719	$670,719 Land $260,000 Building $410,719

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 19 policies
Nearby Flood Policies	19 in force
Nearby Flood Claims	8 (2004–2017)
Claims Outside the SFHA	5 of 8
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 3 claims Hurricane Frances, Sep 2004 · 4 claims

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 93% of the US · lower than 94% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 128 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Lumen Technologies, Verizon.

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