6415 Montclair Bluff Ln, Windermere, FL 34786 Property Records

Orange County property record for 6415 Montclair Bluff Ln, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,208 sqft · built 2002
Lot Size	0.31 acres (13,484 sqft)
Owner	2 Company Names on Record
Last Sale	$100 (Jan 2016)
Tax Bill	$12,116 (2025)
Deeds & Mortgages	Jul 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`24-23-27-2694-00-890`

Property Details

APN / Parcel Number

Primary APN	`24-23-27-2694-00-890`
Alternative APNs	`272324269400890` `145813` `146984` `149103`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,208 sqft Living Area
Gross Area	4,248 sqft
1st Floor Area	2,800 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	13,484 sqft (0.31 acres)
Garage Type	Attached
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	308 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	6415 MONTCLAIR BLUFF LN
City	WINDERMERE
State	FL
Zip	34786-6411
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	GLENMUIR UNIT 1 48/39 LOT 89
Legal Range	27E
Legal Township	23S
Legal Section	24
Legal Subdivision	GLENMUIR UT 1
Legal Tract	2694
Legal Lot Number	89
Legal Unit	1
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2016
Census Tract	17115

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 Company Names on Record
Mailing Address	PO BOX 4900, SCOTTSDALE, AZ 85261-4900
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 1, 2016 · Amount on Record
Deed Sale	Jan 1, 2016 · Amount on Record
Prior Sale	Oct 31, 2014 · Amount on Record
Record Updated	Jun 8, 2026

July 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ORANGE FL
Recording Date	Jul 11, 2018
Property Address	6415 MONTCLAIR BLUFF LN, WINDERMERE, FL 34786-6411
Instrument Date	Jun 7, 2018
Instrument	408305
Transaction Type	Mortgage
Record Updated	Jul 31, 2018
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	180 N STETSON AVE #3650 CHICAGO IL 606016709, 3650, CHICAGO, IL 60601-6709

Mortgage

Document Number	0000408305
Date	Jul 11, 2018
Instrument	408305

Lender

Name	CITIBANK
Type	Bank
Address	390 GREENWICH ST # 5TH, NEW YORK, NY 10013-2375

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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		$741,591 (+1%)	$767,100 (-1.35%) Land $175,000 Building $592,100
2025	$12,116.00 (+12.99%)	$674,174 (+7.15%)	$777,610 (+23.59%) Land $175,000 Building $602,610
2024	$10,723.00 (+12.47%)
2023	$9,534.00 (+11.74%)	$629,171 (+14.8%) Land $95,000 Building $534,171	$629,171 (+14.8%) Land $95,000 Building $534,171
2022	$8,532.00	$548,071 Land $95,000 Building $453,071	$548,071 Land $95,000 Building $453,071

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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 205 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20