4818 Palm Tree Ct, Windermere, FL 34786 Property Records

Orange County property record for 4818 Palm Tree Ct, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,489 sqft · built 1985
Lot Size	0.264 acres (11,500 sqft)
Owner	Individual Name on Record
Last Sale	$565,000 (Aug 2022)
Tax Bill	$8,528 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Apr 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`16-23-28-8065-00-690`

Property Details

APN / Parcel Number

Primary APN	`16-23-28-8065-00-690`
Alternative APNs	`282316806500690` `283861` `288706` `292870`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,489 sqft Living Area
Gross Area	2,007 sqft
1st Floor Area	1,489 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 2020
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,500 sqft (0.264 acres)
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	35 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4818 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 69
Legal Range	28E
Legal Township	23S
Legal Section	16
Legal Subdivision	SILVER WOODS PH 2
Legal Phase	2
Legal Tract	8065
Legal Lot Number	69
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2028
Census Tract	14809

Owner

Source: Orange County records, 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	Individual Name on Record
Mailing Address	4818 PALM TREE CT, WINDERMERE, FL 34786-8805
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2022	Warranty Deed, Transfer · Conventional Mortgage PMAC LENDING SERVICES INC
Apr 27, 2022	Warranty Deed, Transfer CLEAR TITLE, CLEAR TITLE SOLUTIONS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 19, 2022 · Amount on Record
Deed Sale	Aug 19, 2022 · Amount on Record
Prior Sale	Apr 27, 2022 · Amount on Record
Deed Document Number	2022508837
Transfer Doc	4997004304
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Aug 19, 2022
Property Address	4818 PALM TREE CT, WINDERMERE, FL 34786-8805
Document Number	0000508837
Map Reference	MB 14 PG 147
Instrument Date	Aug 17, 2022
Instrument	20220508837
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,955.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5914 BLAKEFORD DR, WINDERMERE, FL 34786-5601

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4818 PALM TREE CT, WINDERMERE, FL 34786-8805

Mortgage

Document Number	0000508838
Date	Aug 19, 2022
Instrument	20220508838

Lender

Name	PMAC LENDING SERVICES INC
Type	Mortgage Company
Address	BREA, CA 92821

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	7.87%
Type Change Date	Sep 1, 2029
Change Frequency	6 Months
Min Rate At Change	4%
Max Rate At Change	7.87%
Index	Other
Margin	4
Max Rate	12.8%

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Apr 27, 2022
Property Address	4818 PALM TREE CT, WINDERMERE, FL 34786-8805
Document Number	0000270381
Map Reference	MB 14 PG 147
Instrument Date	Apr 25, 2022
Instrument	20220270381
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	CLEAR TITLE, CLEAR TITLE SOLUTIONS INC

Transaction

Amount	Amount Recorded
Tax	$3,150.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8544 LOST COVE DR, ORLANDO, FL 32819-4934

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5914 BLAKEFORD DR, WINDERMERE, FL 34786-5601

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		$518,720 (-0.45%) Land $145,000 Building $373,720	$518,720 (-1.02%) Land $145,000 Building $373,720
2025	$8,528.00 (+3.97%) Homeowner's exemption	$521,084 (+16.02%)	$524,080 (+16.69%) Land $145,000 Building $379,080
2024	$8,202.00 (+7.78%)
2023	$7,610.00 (+51.74%)	$449,122 (+51.98%) Land $145,000 Building $304,122	$449,122 (+51.98%) Land $145,000 Building $304,122
2022	$5,015.00	$295,512 Land $135,000 Building $160,512	$295,512 Land $135,000 Building $160,512

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 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	Hurricane Ian, Sep 2022 · 2 claims Hurricane Frances, Sep 2004 · 2 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 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 0.01% 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	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

Violations Reported to EPA

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.

Internet Providers

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.

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