4243 Saltmarsh Sparrow Dr, Windermere, FL 34786 Property Records

Orange County property record for 4243 Saltmarsh Sparrow Dr, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,651 sqft · built 2014
Lot Size	0.124 acres (5,404 sqft)
Owner	2 Individual Names on File
Last Sale	$341,900 (Jan 2015)
Tax Bill	$5,765 (2025)
Deeds & Mortgages	Feb 2019 Mortgage Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-23-27-8151-00-730`

Property Details

APN / Parcel Number

Primary APN	`15-23-27-8151-00-730`
Alternative APNs	`272315815100730` `140714` `141569` `143085`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,651 sqft Living Area
Gross Area	3,686 sqft
1st Floor Area	1,278 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,404 sqft (0.124 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	322 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4243 SALTMARSH SPARROW DR
City	WINDERMERE
State	FL
Zip	34786-3278
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	STILLWATER CROSSINGS PARCEL SC-13, PHASE 2 82/71 LOT 73
Legal Range	27E
Legal Township	23S
Legal Section	15
Legal Subdivision	STILLWATER CROSSINGS PAR SC-13, PH 2
Legal Phase	2
Legal Tract	8151
Legal Lot Number	73
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2038
Census Tract	17114

Owner

4243 Saltmarsh Sparrow Dr is owned and occupied by two individuals who bought it in January 2015.

Source: Orange County records, as of May 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4243 SALTMARSH SPARROW DR, WINDERMERE, FL 34786-3278
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
Feb 26, 2019	Deed of Trust, Mortgage PARTNERS FCU
Aug 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Sep 25, 2017	Deed of Trust, Mortgage · Conventional with PMI SOFI LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 5, 2015 · Amount on File
Deed Sale	Jan 5, 2015 · Amount on File
Prior Sale	Sep 11, 2014 · Amount on File
Deed Document Number	20151958
Deed Book / Page	10855 / 8799
Record Updated	Jun 8, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	4243 SALTMARSH SPARROW DR, WINDERMERE, FL 34786-3278
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000117439
Date	Feb 26, 2019
Instrument	20190117439

Lender

Name	PARTNERS FCU
Type	Credit Union
Address	ORLANDO, FL 32821

Agreement

Amount	Amount on Record
Term	241 Months
Due	Mar 6, 2039

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	4243 SALTMARSH SPARROW DR, WINDERMERE, FL 34786-3278
Document Number	0000437760
Instrument Date	Aug 14, 2020
Transaction Type	Mortgage
Record Updated	Sep 9, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4243 SALTMARSH SPARROW DR WINDERMERE FL 347863278, WINDERMERE, FL 34786-3278

Mortgage

Document Number	0000437760
Date	Aug 19, 2020
Instrument	437760

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 18, 2050

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	4243 SALTMARSH SPARROW DR, WINDERMERE, FL 34786-3278
Document Number	0000538926
Instrument Date	Sep 25, 2017
Transaction Type	Mortgage
Record Updated	Oct 17, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4243 SALTMARSH SPARROW DR WINDERMERE FL 347863278, WINDERMERE, FL 34786-3278

Mortgage

Document Number	0000538926
Date	Oct 3, 2017
Instrument	538926

Lender

Name	SOFI LNDG
Address	HEALDSBURG, CA 95448

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 2, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 4243 Saltmarsh Sparrow Dr was $5,765, up 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		$365,014 (+2.7%)	$586,570 (-1.15%) Land $125,000 Building $461,570
2025	$5,765.00 (+4.99%) Homeowner's exemption	$355,418	$593,380 Land $125,000 Building $468,380
2024	$5,491.00 (+7.41%)
2023	$5,112.00 (+3.99%) Homeowner's exemption	$335,341 (+3%)	$493,089 (+16.49%) Land $125,000 Building $368,089
2022	$4,916.00 Homeowner's exemption	$325,574	$423,299 Land $110,000 Building $313,299

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

Flood

FEMA maps place 4243 Saltmarsh Sparrow Dr 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 41 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	41 in force
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2022 · Hurricane Ian

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 4243 Saltmarsh Sparrow Dr is moderate, ranking above 43% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 43% of the US · lower than 85% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink.

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