Orange County property record for 6432 Montclair Bluff Ln, Windermere, FL 34786
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,750 sqft · built 2002 |
| Lot Size | 0.275 acres (12,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $425,000 (Jun 2013) |
| Tax Bill | $6,904 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Mar 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-23-27-2694-00-930 |
| Primary APN | 24-23-27-2694-00-930 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,750 sqft Living Area |
| Gross Area | 3,758 sqft |
| 1st Floor Area | 2,750 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Concrete |
| Lot Area | 12,000 sqft (0.275 acres) |
| Garage Type | Attached |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 336 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 6432 MONTCLAIR BLUFF LN |
|---|---|
| City | WINDERMERE |
| State | FL |
| Zip | 34786-6410 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | P-D |
| Legal Description | GLENMUIR UNIT 1 48/39 LOT 93 |
| Legal Range | 27E |
| Legal Township | 23S |
| Legal Section | 24 |
| Legal Subdivision | GLENMUIR UT 1 |
| Legal Tract | 2694 |
| Legal Lot Number | 93 |
| Legal Unit | 1 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 17115 |
Source: Orange County records, as of May 4, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 6432 MONTCLAIR BLUFF LN, WINDERMERE, FL 34786-6410 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 24, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Mar 27, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 13, 2013 · Amount on Record |
| Deed Sale | Jun 13, 2013 · Amount on Record |
| Prior Sale | May 22, 2002 · Amount on Record |
| Deed Document Number | 2013311107 |
| Deed Book / Page | 10584 / 8830 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 6432 MONTCLAIR BLUFF LN, WINDERMERE, FL 34786-6410 |
| Transaction Type | Mortgage |
| Record Updated | Mar 11, 2021 |
| Name | Verified Name |
|---|
| Document Number | 20210108575 |
|---|---|
| Date | Feb 24, 2021 |
| Instrument | 20210108575 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | SIOUX FALLS, SD 57104 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 6432 MONTCLAIR BLUFF LN, WINDERMERE, FL 34786-6410 |
| Document Number | 0000253142 |
| Instrument Date | Mar 27, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 6432 MONTCLAIR BLUFF LN WINDERMERE FL 347866410, WINDERMERE, FL 34786-6410 |
| Document Number | 0000253142 |
|---|---|
| Date | Apr 24, 2020 |
| Instrument | 253142 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | FISHERS, IN 46038-8001 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 23, 2050 |
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 | $449,253 (+2.7%) | $711,650 (-1.33%) Land $175,000 Building $536,650 | |
| 2025 | $6,904.00 (+4.37%) Homeowner's exemption | $437,442 (+5.99%) | $721,240 (+24.5%) Land $175,000 Building $546,240 |
| 2024 | $6,615.00 (+7.26%) | ||
| 2023 | $6,167.00 (+3.42%) Homeowner's exemption | $412,732 (+3%) | $579,327 (+14.47%) Land $95,000 Building $484,327 |
| 2022 | $5,963.00 Homeowner's exemption | $400,711 | $506,078 Land $95,000 Building $411,078 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% 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.
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 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 |
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