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616 Bessie St, Windermere, FL 34786 Property Records

Orange County property record for 616 Bessie St, Windermere, FL 34786

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,474 sqft · built 1978
Lot Size0.384 acres (16,747 sqft)
Owner2 Individual Names on Record
Last Sale$289,000 (Sep 2004)
Tax Bill$4,607 (2025)
Deeds & MortgagesJul 2026 Line of Credit
Flood ZoneZone X (minimal risk)
APN17-23-28-9336-01-910

Property Details

APN / Parcel Number

Primary APN17-23-28-9336-01-910
Alternative APNs
  • 282317933601910
  • 284310
  • 289155
  • 293319

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,474 sqft Living Area
Gross Area3,115 sqft
1st Floor Area2,146 sqft
FlooringWood
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1978
Effective Year BuiltEffective 1985
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area16,747 sqft (0.384 acres)

Exterior Amenities

PorchSlab
Porch Area969 sqft
Patio Area2 sqft
Total Buildings2 Buildings

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address616 BESSIE ST
CityWINDERMERE
StateFL
Zip34786-3532
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSFR
Legal DescriptionPLAT OF WINDERMERE G/36 LOT 191
Legal Range28E
Legal Township23S
Legal Section17
Legal SubdivisionWINDERMERE
Legal Tract9336
Legal Block1
Legal Lot Number191
JurisdictionORANGE FL
Township / Civil DivisionSOUTHWEST ORANGE
Census Block Group2
Census Block2017
Census Tract14809

Owner

Source: Orange County records, as of August 7, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address616 BESSIE ST, WINDERMERE, FL 34786-3532
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 9, 2004 · Amount on Record
Deed SaleSep 9, 2004 · Amount on Record
Prior SaleJan 18, 2001 · Amount on Record
Deed Document Number2004577316
Deed Book / Page7607 / 3116
Record UpdatedSep 20, 2026

July 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionORANGE FL
Recording DateJul 28, 2026
Property Address616 BESSIE ST, WINDERMERE, FL 34786-3532
Document Number0000418584
Instrument DateJul 10, 2026
Instrument2026418584
Transaction TypeMortgage
Record UpdatedAug 7, 2026
Title CompanyTITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
Address616 BESSIE ST, WINDERMERE, FL 34786-3532

Mortgage

Document Number0000418584,
DateJul 28, 2026
Instrument2026418584
Lender
NameREGIONS BANK
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueAug 3, 2056
Interest
Rate6.52%
Max Rate-1%

Tax Assessment & Valuation

Source: Orange County assessment roll, as of April 30, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOrange County
MunicipalityWindermere Town
Unified School DistrictOrange County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$290,029 (+2.7%)$650,810 (-1.54%) Land $350,000 Building $300,810
2025$4,607.00 (+3.37%) Homeowner's exemption$282,404 (+5.99%)$660,970 (+5.47%) Land $350,000 Building $310,970
2024$4,457.00 (+3.46%)
2023$4,308.00 (+3.21%) Homeowner's exemption$266,451 (+3%)$626,701 (+29.21%) Land $350,000 Building $276,701
2022$4,174.00 Homeowner's exemption$258,690$485,026 Land $250,000 Building $235,026

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 59 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies59 in force
Nearby Flood Claims11 (1989–2024)
Claims Outside the SFHA4 of 11
Most Recent ClaimOct 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 RiskLow
lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood0.02% annual chance
ExposureNone
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 SystemOCUD/SOUTHERN WATER SYS (5 WPS)
serves 80,738 people · EPA ID FL3484119
Water SourceGroundwater
Last State InspectionMay 2024
Lead2 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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