5045 Beach River Rd, Windermere, FL 34786 Property Records

Orange County property record for 5045 Beach River Rd, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,049 sqft · built 2004
Lot Size	0.358 acres (15,585 sqft)
Owner	2 Individual Names on File
Last Sale	$415,000 (Nov 2005)
Tax Bill	$3,781 (2025)
Deeds & Mortgages	Jan 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-23-27-8390-01-000`

Property Details

APN / Parcel Number

Primary APN	`10-23-27-8390-01-000`
Alternative APNs	`272310839001000` `137470` `138325` `139840`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,049 sqft Living Area
Gross Area	2,980 sqft
1st Floor Area	2,049 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	15,585 sqft (0.358 acres)
Garage Type	Attached
Garage Area	594 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	337 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5045 BEACH RIVER RD
City	WINDERMERE
State	FL
Zip	34786-3131
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	SUMMERPORT PHASE 2 54/104 LOT 100
Legal Range	27E
Legal Township	23S
Legal Section	10
Legal Subdivision	SUMMERPORT PH 2
Legal Phase	2
Legal Tract	8390
Legal Block	1
Legal Lot Number	100
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2013
Census Tract	17114

Owner

Source: Orange County records · APN 10-23-27-8390-01-000

Assessment roll updated April 30, 2026 · Last verified May 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	5045 BEACH RIVER RD, WINDERMERE, FL 34786-3131
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 07, 2005 · Amount on Record
Deed Sale	Nov 07, 2005 · Amount on Record
Prior Sale	Jan 19, 2005 · Amount on Record
Deed Document Number	2005753793
Deed Book / Page	8289 / 3131
Record Updated	Jun 08, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	5045 BEACH RIVER RD, WINDERMERE, FL 34786-3131
Document Number	0000062015
Instrument Date	Jan 09, 2018
Transaction Type	Mortgage
Record Updated	Feb 16, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5045 BEACH RIVER RD WINDERMERE FL 347863131, WINDERMERE, FL 34786-3131

Mortgage

Document Number	0000062015
Date	Jan 31, 2018
Instrument	62015

Lender

Name	US SMALL BUSN ADMN
Address	BIRMINGHAM, AL 35211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 30, 2033

Tax Assessment & Valuation

Source: Orange County records · Assessment roll updated April 30, 2026 · Last verified May 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$238,757 (+2.7%)	$528,780 (-1.35%) Land $150,000 Building $378,780
2025	$3,781.00 (+6.15%) Homeowner's exemption	$232,480 (+5.99%)	$536,000 (+20.67%) Land $150,000 Building $386,000
2024	$3,562.00 (+7.52%)
2023	$3,313.00 (+4.68%) Homeowner's exemption	$219,348 (+3%)	$444,169 (+15.56%) Land $140,000 Building $304,169
2022	$3,165.00 Homeowner's exemption	$212,959	$384,346 Land $125,000 Building $259,346

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

Wildfire

Wildfire Risk	Moderate above 51% of the US · lower than 79% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 330 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	OCUD/SOUTHERN WATER SYS (5 WPS) serves 80,738 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.