Orange County property record for 6430 Cartmel Ln, Windermere, FL 34786
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,211 sqft · built 2004 |
| Lot Size | 0.507 acres (22,064 sqft) |
| Owner | Individual Name on File |
| Last Sale | $665,000 (Jul 2020) |
| Tax Bill | $14,861 (2025) |
| Deeds & Mortgages | Jul 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-23-28-7392-00-920 |
| Primary APN | 19-23-28-7392-00-920 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 3,211 sqft Living Area |
| Gross Area | 4,483 sqft |
| 1st Floor Area | 3,211 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Concrete |
| Lot Area | 22,064 sqft (0.507 acres) |
| Garage Type | Attached |
| Garage Area | 932 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 340 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 6430 CARTMEL LN |
|---|---|
| City | WINDERMERE |
| State | FL |
| Zip | 34786-5423 |
| 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 92 |
| Legal Range | 28E |
| Legal Township | 23S |
| Legal Section | 19 |
| Legal Subdivision | RESERVE AT LAKE BUTLER SOUND UT 2 |
| Legal Tract | 7392 |
| Legal Lot Number | 92 |
| Legal Unit | 2 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 17115 |
6430 Cartmel Ln is owned and occupied by an individual who bought it in July 2020.
Source: Orange County records, as of May 4, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 6430 CARTMEL LN, WINDERMERE, FL 34786-5423 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 24, 2020 · Amount on File |
| Deed Sale | Jul 24, 2020 · Amount on File |
| Prior Sale | Mar 3, 2010 · Amount on File |
| Deed Document Number | 2020395463 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Jul 24, 2020 |
| Property Address | 6430 CARTMEL LN, WINDERMERE, FL 34786-5423 |
| Document Number | 0000395463 |
| Instrument Date | Jul 21, 2020 |
| Instrument | 395463 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2020 |
| Title Company | BROKERS TITLE/CTRL FL |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,655.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6430 CARTMEL LN WINDERMERE FL 347865423, WINDERMERE, FL 34786-5423 |
| Document Number | 395464 |
|---|---|
| Date | Jul 24, 2020 |
| Instrument | 395464 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 23, 2050 |
The 2025 property tax bill for 6430 Cartmel Ln was $14,861, up 7.7% from the year before.
Source: Orange County assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Unified School District | Orange County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $897,570 (+3.72%) Land $270,000 Building $627,570 | $897,570 (-1.2%) Land $270,000 Building $627,570 | |
| 2025 | $14,861.00 (+7.66%) | $865,416 | $908,440 Land $270,000 Building $638,440 |
| 2024 | $13,804.00 (+11.88%) | ||
| 2023 | $12,338.00 (+17.13%) | $836,060 (+28.59%) Land $270,000 Building $566,060 | $836,060 (+28.59%) Land $270,000 Building $566,060 |
| 2022 | $10,534.00 | $650,200 Land $170,000 Building $480,200 | $650,200 Land $170,000 Building $480,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 6430 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 risk around 6430 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.
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 |
| 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.
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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