6348 Cartmel Ln, Windermere, FL 34786 Property Records

Orange County property record for 6348 Cartmel Ln, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,866 sqft · built 2004
Lot Size	0.408 acres (17,787 sqft)
Owner	Individual Name on File
Last Sale	$830,000 (Apr 2021)
Tax Bill	$12,733 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-23-28-7392-00-860`

Property Details

APN / Parcel Number

Primary APN	`19-23-28-7392-00-860`
Alternative APNs	`282319739200860` `285050` `289901` `294065`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,866 sqft Living Area
Gross Area	5,167 sqft
1st Floor Area	3,496 sqft
Flooring	Wood
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	17,787 sqft (0.408 acres)
Garage Type	Attached
Garage Area	797 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	439 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	6348 CARTMEL LN
City	WINDERMERE
State	FL
Zip	34786-5421
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 86
Legal Range	28E
Legal Township	23S
Legal Section	19
Legal Subdivision	RESERVE AT LAKE BUTLER SOUND UT 2
Legal Tract	7392
Legal Lot Number	86
Legal Unit	2
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2014
Census Tract	17115

Owner

6348 Cartmel Ln is owned and occupied by an individual who bought it in April 2021.

Source: Orange County records, as of May 4, 2026

Owner of Record	Individual Name on File
Mailing Address	6348 CARTMEL LN, WINDERMERE, FL 34786-5421
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 21, 2021 · Amount on File
Deed Sale	Apr 21, 2021 · Amount on File
Prior Sale	Feb 23, 2015 · Amount on File
Deed Document Number	2021240388
Record Updated	Oct 29, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Apr 21, 2021
Property Address	6348 CARTMEL LN, WINDERMERE, FL 34786-5421
Document Number	20210240388
Map Reference	MB 47 PG 127
Instrument Date	Mar 29, 2021
Instrument	20210240388
Transaction Type	Transfer
Record Updated	May 19, 2021
Title Company	TITLE WAREHOUSE/AMERICA INC, TITLE WAREHOUSES OF AMERICA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,810.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10738 REAMS RD, 10738, WINDERMERE, FL 34786-5708

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6348 CARTMEL LN, WINDERMERE, FL 34786-5421

Mortgage

Document Number	20210240389
Date	Apr 21, 2021
Instrument	20210240389

Lender

Name	GUARANTY HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 6348 Cartmel Ln was $12,733, up 3.6% 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		$814,545 (+2.7%)	$1,045,870 (-1.26%) Land $270,000 Building $775,870
2025	$12,733.00 (+3.65%) Homeowner's exemption	$793,130	$1,059,190 Land $270,000 Building $789,190
2024	$12,285.00 (+7.23%)
2023	$11,457.00 (+3.1%) Homeowner's exemption	$748,327 (+3%)	$969,064 (+27.15%) Land $270,000 Building $699,064
2022	$11,112.00 Homeowner's exemption	$726,531	$762,127 Land $170,000 Building $592,127

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 6348 Cartmel Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 A, within 500 ft
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 6348 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 98% of the US · lower than 97.6% 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 152 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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