6149 Cartmel Ln, Windermere, FL 34786 Property Records

Orange County property record for 6149 Cartmel Ln, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 5,438 sqft · built 2003
Lot Size	0.666 acres (29,000 sqft)
Owner	2 Individual Names on File
Last Sale	$2,550,000 (Sep 2023)
Tax Bill	$31,996 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Nov 2021 Document + 5 more
Flood Zone	Zone X (minimal risk)
APN	`19-23-28-7392-01-350`

Property Details

APN / Parcel Number

Primary APN	`19-23-28-7392-01-350`
Alternative APNs	`282319739201350` `285109` `289960` `294125`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	5,438 sqft Living Area
Gross Area	7,461 sqft
1st Floor Area	3,967 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2015
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	29,000 sqft (0.666 acres)
Garage Type	Attached
Garage Area	903 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	861 sqft
Patio Area	13 sqft
Gazebo	Gazebo

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	6149 CARTMEL LN
City	WINDERMERE
State	FL
Zip	34786-5420
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	RESERVE AT LAKE BUTLER SOUND UNIT 2 47/127 LOT 135
Legal Range	28E
Legal Township	23S
Legal Section	19
Legal Subdivision	RESERVE AT LAKE BUTLER SOUND UT 2
Legal Tract	7392
Legal Block	1
Legal Lot Number	135
Legal Unit	2
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2014
Census Tract	17115

Owner

6149 Cartmel Ln is owned and occupied by two individuals who bought it in September 2023.

Source: Orange County records, as of April 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	6149 CARTMEL LN, WINDERMERE, FL 34786-5420
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 5, 2023	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Nov 11, 2021	ACCOMODATION, ACCOMMODATION
Sep 10, 2020	Warranty Deed, Transfer LOANDEPOT.COM LLC
Aug 28, 2018	Deed of Trust, Mortgage · Conventional Mortgage CITIBANK
Aug 28, 2018	Deed of Trust, Mortgage · Line of Credit CITIBANK
Feb 5, 2018	Special Warranty Deed, Transfer · ARM FIRST GREEN BANK
Jul 14, 2017	Deed in Lieu of Foreclosure, Foreclosure VANTAGE POINT TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 5, 2023 · Amount on File
Deed Sale	Sep 5, 2023 · Amount on File
Prior Sale	Sep 10, 2020 · Amount on File
Deed Document Number	2023504408
Prior Transfer Date	Oct 21, 2021
Prior Transfer Doc	20210694903
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Sep 5, 2023
Property Address	6149 CARTMEL LN, WINDERMERE, FL 34786-5420
Document Number	0000504408
Map Reference	MB 47 PG 127-131
Instrument Date	Aug 29, 2023
Instrument	20230504408
Transaction Type	Transfer
Record Updated	Sep 21, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$17,850.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5938 BLAKEFORD DR, WINDERMERE, FL 34786-5601

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6149 CARTMEL LN, WINDERMERE, FL 34786-5420

Mortgage

Document Number	0000504409
Date	Sep 5, 2023
Instrument	20230504409

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2053

November 2021:

Jurisdiction	ORANGE FL
Recording Date	Nov 11, 2021
Property Address	6149 CARTMEL LN, WINDERMERE, FL 34786-5420
Document Number	20210694903
Map Reference	MB 47 PG 127-131
Instrument Date	Oct 21, 2021
Instrument	20210694903
Record Updated	Dec 1, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6149 CARTMEL LN, WINDERMERE, FL 34786-5420

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Sep 10, 2020
Property Address	6149 CARTMEL LN, WINDERMERE, FL 34786-5420
Document Number	0000476527
Instrument Date	Sep 4, 2020
Instrument	476527
Transaction Type	Transfer
Record Updated	Sep 24, 2020
Title Company	WATSON TITLE SERVICES INC, WATSON TITLE SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,345.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6149 CARTMEL LN WINDERMERE FL 347865420, WINDERMERE, FL 34786-5420

Mortgage

Document Number	476528
Date	Sep 10, 2020
Instrument	476528

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	26642 TOWNE CENTRE DR, FOOTHILL RANCH, CA 92610-2808

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 9, 2050

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	6149 CARTMEL LN, WINDERMERE, FL 34786-5420
Document Number	0000557939
Instrument Date	Aug 28, 2018
Transaction Type	Mortgage
Record Updated	Nov 22, 2018
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6149 CARTMEL LN WINDERMERE FL 347865420, WINDERMERE, FL 34786-5420

Mortgage

Document Number	0000557939
Date	Sep 20, 2018
Instrument	557939

Lender

Name	CITIBANK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Sep 19, 2028

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	6149 CARTMEL LN, WINDERMERE, FL 34786-5420
Document Number	0000528857
Instrument Date	Aug 28, 2018
Transaction Type	Mortgage
Record Updated	Sep 26, 2018
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6149 CARTMEL LN WINDERMERE FL 347865420, WINDERMERE, FL 34786-5420

Mortgage

Document Number	0000528857
Date	Sep 6, 2018
Instrument	528857

Lender

Name	CITIBANK
Type	Bank
Address	SIOUX FALLS, SD

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Sep 5, 2028

Interest

Rate Type	Adjustable Rate

February 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Feb 5, 2018
Property Address	6149 CARTMEL LN, WINDERMERE, FL 34786-5420
Document Number	0000067689
Map Reference	MB 47 PG 127-131
Instrument Date	Dec 27, 2017
Instrument	20180067689
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,000.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1114 AVENUE OF THE AMERICAS FL 27, 1114, NEW YORK, NY 10036-7772

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6149 CARTMEL LN, WINDERMERE, FL 34786-5420

Mortgage

Document Number	0000067690
Date	Feb 5, 2018
Instrument	20180067690

Lender

Name	FIRST GREEN BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Feb 1, 2025
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.75%
Index	1-Year LIBOR
Max Rate	8.75%

July 2017: Deed in Lieu of Foreclosure, Foreclosure

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	ORANGE FL
Recording Date	Jul 14, 2017
Property Address	6149 CARTMEL LN, WINDERMERE, FL 34786-5420
Document Number	0000394481
Instrument Date	Jul 5, 2017
Instrument	394481
Transaction Type	Foreclosure
Record Updated	Jul 26, 2017
Title Company	VANTAGE POINT TITLE

Transaction

Amount	Amount on Record
Tax	$9,561.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	440 S LA SALLE ST #2000 CHICAGO IL 606055011, 2000, CHICAGO, IL 60605-5011
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 6149 Cartmel Ln was $31,996, up 3.9% from the year before.

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		$1,905,122 (-1.18%) Land $430,000 Building $1,475,122	$1,905,122 (-1.18%) Land $430,000 Building $1,475,122
2025	$31,996.00 (+3.88%)	$1,927,850 Land $430,000 Building $1,497,850	$1,927,850 Land $430,000 Building $1,497,850
2024	$30,802.00 (+62.4%)
2023	$18,967.00 (+2.95%) Homeowner's exemption	$1,224,861 (+3%)	$1,534,736 (+21.4%) Land $430,000 Building $1,104,736
2022	$18,423.00 Homeowner's exemption	$1,189,185	$1,264,202 Land $330,000 Building $934,202

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 6149 Cartmel Ln in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2022.

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 File median of 61 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	61 in force
Nearby Flood Claims	3 (2022–2024)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Oct 2024 · Hurricane Milton

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

Wildfire risk around 6149 Cartmel Ln is low, with less than a 0.01% annual chance of 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	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 129 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 35
AT&T Fixed Wireless	100 / 20

May also be available: Hotwire Communications, T-Mobile.

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