525 Lake St, Windermere, FL 34786 Property Records

Orange County property record for 525 Lake St, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,262 sqft · built 1986
Lot Size	0.37 acres (16,096 sqft)
Owner	2 Individual Names on Record
Last Sale	$700,000 (Jul 2021)
Tax Bill	$11,488 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage May 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-23-28-9332-01-820`

Property Details

APN / Parcel Number

Primary APN	`07-23-28-9332-01-820`
Alternative APNs	`282307933201820` `275877` `280720` `284880`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,262 sqft Living Area
Gross Area	2,976 sqft
1st Floor Area	1,626 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2015
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	16,096 sqft (0.37 acres)
Lot Width	95 ft Width
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Florida Room
Porch Area	402 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	525 LAKE ST
City	WINDERMERE
State	FL
Zip	34786-3555
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFR
Legal Description	REPLAT OF TOWN OF WINDERMERE Q/39 LOT 182
Legal Range	28E
Legal Township	23S
Legal Section	07
Legal Subdivision	WINDERMERE TOWN OF REP
Legal Tract	9332
Legal Block	1
Legal Lot Number	182
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2007
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	2 Individual Names on Record
Mailing Address	525 LAKE ST, WINDERMERE, FL 34786-3555
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2021	Warranty Deed, Transfer · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC
May 4, 2020	Deed of Trust, Mortgage · Line of Credit TRUIST BK
Dec 20, 2019	Warranty Deed, Transfer ARTESIAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2021 · Amount on Record
Deed Sale	Jul 27, 2021 · Amount on Record
Prior Sale	Dec 20, 2019 · Amount on Record
Deed Document Number	2021451416
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jul 27, 2021
Property Address	525 LAKE ST, WINDERMERE, FL 34786-3555
Document Number	20210451416
Map Reference	MB Q PG 39
Instrument Date	Jul 20, 2021
Instrument	20210451416
Transaction Type	Transfer
Record Updated	Aug 11, 2021
Title Company	WATSON TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,900.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	916 EAST BLVD, 916, WINDERMERE, FL 34786-8762

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	525 LAKE ST, WINDERMERE, FL 34786-3555

Mortgage

Document Number	20210451417
Date	Jul 27, 2021
Instrument	20210451417

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	525 LAKE ST, WINDERMERE, FL 34786-3555
Document Number	0000273418
Instrument Date	May 4, 2020
Transaction Type	Mortgage
Record Updated	May 25, 2020
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	525 LAKE ST WINDERMERE FL 347863555, WINDERMERE, FL 34786-3555

Mortgage

Document Number	0000273418
Date	May 8, 2020
Instrument	273418

Lender

Name	TRUIST BK
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 7, 2050

Interest

Rate Type	Adjustable Rate

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Dec 20, 2019
Property Address	525 LAKE ST, WINDERMERE, FL 34786-3555
Document Number	0000797073
Instrument Date	Dec 17, 2019
Instrument	797073
Transaction Type	Transfer
Record Updated	Jan 17, 2020
Title Company	ARTESIAN TITLE

Transaction

Amount	Amount Recorded
Tax	$2,072.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	525 LAKE ST WINDERMERE FL 347863555, WINDERMERE, FL 34786-3555

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		$725,639 (+2.7%)	$878,170 (-1.05%) Land $305,000 Building $573,170
2025	$11,488.00 (+3.04%) Homeowner's exemption	$706,562 (+14.85%)	$887,500 (+15.03%) Land $305,000 Building $582,500
2024	$11,149.00 (+12.12%)
2023	$9,944.00 (+6.09%) Homeowner's exemption	$615,193 (+3%)	$771,567 (+29.18%) Land $305,000 Building $466,567
2022	$9,373.00 Homeowner's exemption	$597,275 Land $205,000 Building $392,275	$597,275 Land $205,000 Building $392,275

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

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 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 Fixed Wireless	100 / 20

May also be available: Verizon.

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