520 Lake St, Windermere, FL 34786 Property Records

Orange County property record for 520 Lake St, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,282 sqft · built 1978
Lot Size	0.385 acres (16,783 sqft)
Owner	Individual Name on File
Last Sale	$620,000 (Nov 2019)
Tax Bill	$9,980 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-23-28-9337-02-001`

Property Details

APN / Parcel Number

Primary APN	`17-23-28-9337-02-001`
Alternative APNs	`282317933702001` `284703` `289553` `293716`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,282 sqft Living Area
Gross Area	4,134 sqft
1st Floor Area	2,199 sqft
Basement Area	348 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 2005
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	16,783 sqft (0.385 acres)
Lot Width	82 ft Width
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	28 sqft
Utility Building	84 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	520 LAKE ST
City	WINDERMERE
State	FL
Zip	34786-3554
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFR
Legal Description	PLAT OF WINDERMERE G/36 FROM SW COR BLK B RUN N 73 DEG E 374 .9 FT SELY ALONG CURVE 257.21 FT FOR A POB TH SELY ALONG CUR VE 72.39 FT NELY ALONG REVERSE CURVE 66.85 FT N 17 DEG W 164
Legal Range	28E
Legal Township	23S
Legal Section	17
Legal Subdivision	WINDERMERE REP (BLK A-F)
Legal Tract	9337
Legal Block	B
Legal Lot Number	1
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2008
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	Individual Name on File
Mailing Address	520 LAKE ST, WINDERMERE, FL 34786-3554
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2022	Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK
Nov 25, 2019	Warranty Deed, Transfer · Conventional Mortgage TRUSTCO BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 25, 2019 · Amount on Record
Deed Sale	Nov 25, 2019 · Amount on Record
Prior Sale	Oct 20, 2009 · Amount on Record
Deed Document Number	2019740639
Prior Transfer Date	Nov 6, 2008
Prior Transfer Doc	0000002974
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	520 LAKE ST, WINDERMERE, FL 34786-3554
Transaction Type	Mortgage
Record Updated	Sep 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 LAKE ST, WINDERMERE, FL 34786-3554

Mortgage

Document Number	0000481339
Date	Aug 5, 2022
Instrument	20220481339

Lender

Name	TRUSTCO BANK
Type	Bank
Address	LONGWOOD, FL 32750

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Nov 25, 2019
Property Address	520 LAKE ST, WINDERMERE, FL 34786-3554
Document Number	0000740639
Instrument Date	Nov 20, 2019
Instrument	20190740639
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	EQUITABLE TTL OF WEST ORLAND

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,340.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 LAKE ST, WINDERMERE, FL 34786-3554

Mortgage

Document Number	0000740640
Date	Nov 25, 2019
Instrument	20190740640

Lender

Name	TRUSTCO BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 20, 2049

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		$626,833 (+2.7%)	$868,770 (-1.08%) Land $325,000 Building $543,770
2025	$9,980.00 (+3.07%) Homeowner's exemption	$610,353 (+5.99%)	$878,220 (+7.66%) Land $325,000 Building $553,220
2024	$9,683.00 (+3.35%)
2023	$9,369.00 (+2.96%) Homeowner's exemption	$575,876 (+3%)	$815,733 (+27.1%) Land $325,000 Building $490,733
2022	$9,100.00 Homeowner's exemption	$559,103	$641,826 Land $225,000 Building $416,826

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
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 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 96% of the US · lower than 96% 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 147 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 / 35
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

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