565 Ridgewood Dr, Windermere, FL 34786 Property Records

Orange County property record for 565 Ridgewood Dr, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	5 bd · 5.5 ba · 4,708 sqft · built 1944
Owner	Individual Name on File
Last Sale	$1,302,500 (Sep 2021)
Tax Bill	$32,303 (2025)
Deeds & Mortgages	Sep 2021 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`17-23-28-9336-50-012`

Property Details

APN / Parcel Number

Primary APN	`17-23-28-9336-50-012`
Alternative APN	`282317933650012`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	4,708 sqft Living Area
Gross Area	5,923 sqft
1st Floor Area	3,325 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1944
Effective Year Built	Effective 1989
Exterior Material	Concrete Block
Roof Type	Flat
Roof Material	Composition Shingle
Garage Type	Attached
Garage Area	575 sqft
Porch	Slab
Porch Area	396 sqft
Patio Area	2 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	565 RIDGEWOOD DR
City	WINDERMERE
State	FL
Zip	34786-3558
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFR
Legal Description	PLAT OF WINDERMERE G/36 LOT 2E & E 1/2 OF LOT 1E & WLY 10 FT OF LOT E3
Legal Subdivision	WINDERMERE
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2004
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
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 17, 2021 · Amount on Record
Deed Sale	Sep 17, 2021 · Amount on Record
Prior Sale	Apr 29, 2016 · Amount on Record
Deed Document Number	2021567339
Prior Transfer Date	Sep 15, 2021
Prior Transfer Doc	0000567339
Record Updated	Sep 20, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Sep 17, 2021
Property Address	565 RIDGEWOOD DR, WINDERMERE, FL 34786-3558
Document Number	0000567339
Map Reference	MB G PG 36-39
Instrument Date	Sep 15, 2021
Instrument	20210567339
Transaction Type	Transfer
Record Updated	Mar 16, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$9,117.50
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1806 33RD ST # ST120, ST120, ORLANDO, FL 32839-8850

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	565 RIDGEWOOD DR, WINDERMERE, FL 34786-3558

Mortgage

Document Number	0000567340
Date	Sep 17, 2021
Instrument	20210567340

Lender

Name	AMERICAN MOMENTUM BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Oct 1, 2031
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	8.12%
Index	Other
Max Rate	8.12%

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		$1,955,830 (-0.86%) Land $1,080,000 Building $875,830	$1,955,830 (-0.86%) Land $1,080,000 Building $875,830
2025	$32,303.00 (+2.2%)	$1,972,870 (+5.28%) Land $1,080,000 Building $892,870	$1,972,870 (+5.28%) Land $1,080,000 Building $892,870
2024	$31,609.00 (+3.6%)
2023	$30,510.00 (+10.5%)	$1,873,939 (+13.14%) Land $1,080,000 Building $793,939	$1,873,939 (+13.14%) Land $1,080,000 Building $793,939
2022	$27,611.00	$1,656,337 Land $980,000 Building $676,337	$1,656,337 Land $980,000 Building $676,337

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 100 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 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% 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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