6544 Cartmel Ln, Windermere, FL 34786 Property Records

Orange County property record for 6544 Cartmel Ln, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,874 sqft · built 2004
Lot Size	0.56 acres (24,378 sqft)
Owner	2 Company Names on File
Last Sale	$815,000 (Jul 2015)
Tax Bill	$17,755 (2025)
Deeds & Mortgages	Feb 2022 Transfer Jan 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19-23-28-7392-00-970`

Property Details

APN / Parcel Number

Primary APN	`19-23-28-7392-00-970`
Alternative APNs	`282319739200970` `285062` `289913` `294079`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,874 sqft Living Area
Gross Area	5,143 sqft
1st Floor Area	3,300 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2010
Exterior Material	Concrete Block/Stucco
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	24,378 sqft (0.56 acres)
Garage Type	Attached
Garage Area	737 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	431 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	6544 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 97
Legal Range	28E
Legal Township	23S
Legal Section	19
Legal Subdivision	RESERVE AT LAKE BUTLER SOUND UT 2
Legal Tract	7392
Legal Lot Number	97
Legal Unit	2
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2014
Census Tract	17115

Owner

6544 Cartmel Ln is owned by a company that acquired it in February 2022.

Source: Orange County records, as of October 13, 2026

Owner of Record	2 Company Names on File
Mailing Address	6544 CARTMEL LN, WINDERMERE, FL 34786-5423
Owner Type	Company

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

Date	Document
Feb 22, 2022	Intrafamily Transfer, Transfer ACCOMMODATION
Jan 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Aug 10, 2017	Deed of Trust, Mortgage · Line of Credit FAIRWINDS CU
Aug 10, 2017	Deed of Trust, Mortgage FAIRWINDS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2015 · Amount on File
Deed Sale	Jul 13, 2015 · Amount on File
Prior Sale	Jun 3, 2008 · Amount on File
Deed Document Number	2015355867
Deed Book / Page	10949 / 4656
Last Transfer Date	Feb 11, 2022
Transfer Doc	0000122585
Record Updated	Oct 29, 2026

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE FL
Recording Date	Feb 22, 2022
Property Address	6544 CARTMEL LN, WINDERMERE, FL 34786-5423
Document Number	0000122585
Map Reference	MB 47 PG 127-131
Instrument Date	Feb 11, 2022
Instrument	20220122585
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	6544 CARTMEL LN, WINDERMERE, FL 34786-5423

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	6544 CARTMEL LN, WINDERMERE, FL 34786-5423
Transaction Type	Mortgage
Record Updated	Jan 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6544 CARTMEL LN, WINDERMERE, FL 34786-5423

Mortgage

Document Number	0000022930
Date	Jan 10, 2022
Instrument	20220022930

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	DOWNERS GROVE, IL 60515

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.12%
Type Change Date	Feb 1, 2027
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	4.12%
Index	Other
Max Rate	7.12%

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	6544 CARTMEL LN, WINDERMERE, FL 34786-5423
Document Number	0000455887
Instrument Date	Aug 10, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6544 CARTMEL LN WINDERMERE FL 347865423, WINDERMERE, FL 34786-5423

Mortgage

Document Number	0000455887
Date	Aug 16, 2017
Instrument	455887

Lender

Name	FAIRWINDS CU
Address	ORLANDO, FL 32826

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Aug 15, 2037

Interest

Rate Type	Adjustable Rate

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	6544 CARTMEL LN, WINDERMERE, FL 34786-5423
Document Number	0000455870
Instrument Date	Aug 10, 2017
Transaction Type	Mortgage
Record Updated	Sep 1, 2017
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6544 CARTMEL LN WINDERMERE FL 347865423, WINDERMERE, FL 34786-5423

Mortgage

Document Number	0000455870
Date	Aug 16, 2017
Instrument	455870

Lender

Name	FAIRWINDS CU
Address	ORLANDO, FL 32826

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 15, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 6544 Cartmel Ln was $17,755, up 7.7% 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		$1,070,760 (+2.67%) Land $285,000 Building $785,760	$1,070,760 (-1.19%) Land $285,000 Building $785,760
2025	$17,755.00 (+7.66%)	$1,042,958	$1,083,660 Land $285,000 Building $798,660
2024	$16,492.00 (+12.11%)
2023	$14,711.00 (+16.37%)	$992,070 (+26.61%) Land $285,000 Building $707,070	$992,070 (+26.61%) Land $285,000 Building $707,070
2022	$12,642.00	$783,590 Land $185,000 Building $598,590	$783,590 Land $185,000 Building $598,590

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

Flood

FEMA maps place 6544 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 6544 Cartmel Ln is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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.

Nearby Properties on Cartmel Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures