Orange County property record for 6545 Cartmel Ln, Windermere, FL 34786
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4.5 ba · 4,005 sqft · built 2004 |
| Lot Size | 0.903 acres (39,349 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $767,500 (Oct 2013) |
| Tax Bill | $11,856 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-23-28-7392-00-990 |
| Primary APN | 19-23-28-7392-00-990 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 4,005 sqft Living Area |
| Gross Area | 5,275 sqft |
| 1st Floor Area | 3,431 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 | 39,349 sqft (0.903 acres) |
| Garage Type | Attached |
| Garage Area | 738 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 431 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 6545 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 99 |
| Legal Range | 28E |
| Legal Township | 23S |
| Legal Section | 19 |
| Legal Subdivision | RESERVE AT LAKE BUTLER SOUND UT 2 |
| Legal Tract | 7392 |
| Legal Lot Number | 99 |
| Legal Unit | 2 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 17115 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 6545 CARTMEL LN, WINDERMERE, FL 34786-5423 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 9, 2013 · Amount on Record |
| Deed Sale | Oct 9, 2013 · Amount on Record |
| Prior Sale | Aug 25, 2004 · Amount on Record |
| Deed Document Number | 2013541442 |
| Deed Book / Page | 10647 / 7810 |
| Last Transfer Date | Jun 9, 2016 |
| Transfer Doc | 0000314089 |
| Record Updated | Jun 8, 2026 |
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 | $759,586 (+2.7%) | $1,059,740 (-1.26%) Land $280,000 Building $779,740 | |
| 2025 | $11,856.00 (+3.71%) Homeowner's exemption | $739,616 (+5.99%) | $1,073,310 (+8.94%) Land $280,000 Building $793,310 |
| 2024 | $11,432.00 (+7.23%) | ||
| 2023 | $10,661.00 (+3.13%) Homeowner's exemption | $697,837 (+3%) | $985,187 (+26.19%) Land $280,000 Building $705,187 |
| 2022 | $10,337.00 Homeowner's exemption | $677,512 | $780,693 Land $180,000 Building $600,693 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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 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.
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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