Orange County property record for 4809 Palm Tree Ct, Windermere, FL 34786
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,935 sqft · built 1985 |
| Lot Size | 0.338 acres (14,718 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,570 (2025) |
| Deeds & Mortgages | May 2017 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-23-28-8065-00-680 |
| Primary APN | 16-23-28-8065-00-680 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,935 sqft Living Area |
| Gross Area | 2,845 sqft |
| 1st Floor Area | 1,819 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 14,718 sqft (0.338 acres) |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 542 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 4809 PALM TREE CT |
|---|---|
| City | WINDERMERE |
| State | FL |
| Zip | 34786-8805 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1AA |
| Legal Description | SILVER WOODS PHASE TWO 14/147 LOT 68 |
| Legal Range | 28E |
| Legal Township | 23S |
| Legal Section | 16 |
| Legal Subdivision | SILVER WOODS PH 2 |
| Legal Phase | 2 |
| Legal Tract | 8065 |
| Legal Lot Number | 68 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 2 |
| Census Block | 2028 |
| Census Tract | 14809 |
Source: Orange County records, as of May 4, 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 Record |
|---|---|
| Mailing Address | 4809 PALM TREE CT, WINDERMERE, FL 34786-8805 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 4809 PALM TREE CT, WINDERMERE, FL 34786-8805 |
| Document Number | 0000328199 |
| Instrument Date | May 21, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 26, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4809 PALM TREE CT WINDERMERE FL 347868805, WINDERMERE, FL 34786-8805 |
| Document Number | 0000328199 |
|---|---|
| Date | Jun 13, 2017 |
| Instrument | 328199 |
| Name | THIRD FED'L S&L/CLEVELAND |
|---|---|
| Type | Federal Savings Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 12, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2% |
Source: Orange County assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Unified School District | Orange County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $224,442 (+2.7%) | $478,700 (-2.44%) Land $145,000 Building $333,700 | |
| 2025 | $3,570.00 (+5.65%) Homeowner's exemption | $218,541 (+5.99%) | $490,660 (+14.41%) Land $145,000 Building $345,660 |
| 2024 | $3,379.00 (+7.17%) | ||
| 2023 | $3,153.00 (+4.82%) Homeowner's exemption | $206,196 (+3%) | $428,852 (+20.27%) Land $145,000 Building $283,852 |
| 2022 | $3,008.00 Homeowner's exemption | $200,190 | $356,569 Land $135,000 Building $221,569 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 59 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 59 in force |
| Nearby Flood Claims | 11 (1989–2024) |
| Claims Outside the SFHA | 4 of 11 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ORLANDO UTILITIES COMMISSION serves 536,466 people · EPA ID FL3480962 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2024 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Jul 2019 |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 126 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: CenturyLink, Hotwire Communications, Xfinity.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures