6548 Lagoon St, Windermere, FL 34786 Property Records

Orange County property record for 6548 Lagoon St, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	6 bd · 4.25 ba · 3,420 sqft · built 2019
Lot Size	1.04 acres (45,439 sqft)
Owner	2 Individual Names on File
Last Sale	$225,000 (May 2010)
Tax Bill	$11,861 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Feb 2021 Mortgage + 5 more
Flood Zone	Zone AE (high risk)
APN	`24-23-27-7820-03-060`

Property Details

APN / Parcel Number

Primary APN	`24-23-27-7820-03-060`
Alternative APNs	`272324782003060` `146576` `147746` `149866`

Interior

Bedrooms	6 Beds
Full Baths	4.25 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,420 sqft Living Area
Gross Area	5,648 sqft
1st Floor Area	1,710 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	45,439 sqft (1.04 acres)
Lot Width	65 ft Width
Garage Type	Detached
Garage Area	672 sqft

Exterior Amenities

Porch	Porch
Porch Area	1,114 sqft
Boat Access	Boat Access
Total Buildings	3 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	6548 LAGOON ST
City	WINDERMERE
State	FL
Zip	34786-6502
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	SAWYER SHORES SUB V/9 LOT 6 & BEG ELY COR LOT 5 RUN S 45 DEG W 165.77 FT FOR A POB TH N 44 DEG W 5.85 FT S 45 DEG W 34.1 4 FT S 44 DEG E 5.78 FT N 45 DEG E 34.14 FT TO POB BLK C
Legal Range	27E
Legal Township	23S
Legal Section	24
Legal Subdivision	SAWYER SHORES SUB
Legal Tract	7820
Legal Block	C
Legal Lot Number	6,5
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1018
Census Tract	17112

Owner

Source: Orange County assessment roll, 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 Individual Names on File
Mailing Address	6548 LAGOON ST, WINDERMERE, FL 34786-6502
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2025	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Feb 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Dec 5, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Mar 20, 2019	Deed of Trust, Mortgage · Conventional Mortgage SEACOAST NATIONAL BANK
Feb 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
May 15, 2018	Loan Modification, Mortgage TREVOR LEAGAS
May 24, 2017	Trustee's Deed, Construction Loan · Construction Mortgage SEACOAST NAT'L BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 6, 2010 · Amount on Record
Deed Sale	May 6, 2010 · Amount on Record
Prior Sale	Dec 17, 2004 · Amount on Record
Deed Document Number	2010258925
Deed Book / Page	10040 / 5415
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	6548 LAGOON ST, WINDERMERE, FL 34786-6502
Transaction Type	Mortgage
Record Updated	Dec 10, 2025
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6549 LAGOON ST, WINDERMERE, FL 34786-6502

Mortgage

Document Number	0000675135
Date	Nov 21, 2025
Instrument	20250675135

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 13, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	6548 LAGOON ST, WINDERMERE, FL 34786-6502
Transaction Type	Mortgage
Record Updated	Dec 9, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6548 LAGOON ST, WINDERMERE, FL 34786-6502

Mortgage

Document Number	0000089589
Date	Feb 15, 2021
Instrument	20210089589

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	6548 LAGOON ST, WINDERMERE, FL 34786-6502
Transaction Type	Mortgage
Record Updated	Dec 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6548 LAGOON ST, WINDERMERE, FL 34786-6502

Mortgage

Document Number	0000698048
Date	Dec 5, 2023
Instrument	20230698048

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Nov 17, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	6548 LAGOON ST, WINDERMERE, FL 34786-6502
Transaction Type	Mortgage
Record Updated	Jan 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000163545
Date	Mar 20, 2019
Instrument	20190163545

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank
Address	STUART, FL 34994

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	6548 LAGOON ST, WINDERMERE, FL 34786-6502
Transaction Type	Mortgage
Record Updated	Mar 3, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6548 LAGOON ST, WINDERMERE, FL 34786-6502

Mortgage

Document Number	20210089589
Date	Feb 15, 2021
Instrument	20210089589

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ORANGE FL
Property Address	6548 LAGOON ST, WINDERMERE, FL 34786-6502
Document Number	0000316597
Instrument Date	May 15, 2018
Transaction Type	Mortgage
Record Updated	Jun 26, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 9012 STUART FL 349959012, STUART, FL 34995-9012

Mortgage

Document Number	0000316597
Date	May 29, 2018
Instrument	316597

Lender

Name	TREVOR LEAGAS

Agreement

Amount	Amount Recorded

May 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	ORANGE FL
Recording Date	May 24, 2017
Property Address	6548 LAGOON ST, WINDERMERE, FL 34786-6502
Instrument Date	May 19, 2017
Instrument	289242
Transaction Type	Construction Loan
Record Updated	Jun 7, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6955 OLIND DR MOUNDS OK 740475502, MOUNDS, OK 74047-5502

Mortgage

Document Number	0000289242
Date	May 24, 2017
Instrument	289242

Lender

Name	SEACOAST NAT'L BK
Type	Bank
Address	STUART, FL 34994

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 23, 2047

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		$668,040 (+1%)	$836,480 (-0.56%) Land $500,000 Building $336,480
2025	$11,861.00 (+14.62%)	$607,309 (+4.77%)	$841,210 (+45.12%) Land $500,000 Building $341,210
2024	$10,348.00 (+18.94%)
2023	$8,700.00 (+8.85%)	$579,662 (+7.89%) Land $310,000 Building $269,662	$579,662 (+7.89%) Land $310,000 Building $269,662
2022	$7,993.00	$537,290 Land $310,000 Building $227,290	$537,290 Land $310,000 Building $227,290

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	106.4 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 40 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	40 in force

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 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 142 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Lumen Technologies.

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