Orange County property record for 6640 Lagoon St, Windermere, FL 34786
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,715 sqft · built 1957 |
| Lot Size | 0.597 acres (25,999 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $420,000 (Aug 2016) |
| Tax Bill | $4,937 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Feb 2020 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 24-23-27-7820-03-170 |
| Primary APN | 24-23-27-7820-03-170 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,715 sqft Living Area |
| Gross Area | 2,083 sqft |
| 1st Floor Area | 1,715 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1972 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 25,999 sqft (0.597 acres) |
| Garage Type | Carport |
| Garage Area | 288 sqft |
| Carport | Carport |
| Carport Area | 288 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 80 sqft |
| Shed | 1 Shed |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 6640 LAGOON ST |
|---|---|
| City | WINDERMERE |
| State | FL |
| Zip | 34786-6503 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A-1 |
| Legal Description | SAWYER SHORES SUB V/9 LOT 17 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 | 17 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 17112 |
Source: Orange County records, as of May 21, 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 | 6640 LAGOON ST, WINDERMERE, FL 34786-6503 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 6, 2026 | Deed of Trust, Mortgage · Conventional Mortgage PARTNERS FEDERAL CREDIT UNION |
| Feb 4, 2020 | Deed of Trust, Mortgage · Line of Credit PARTNERS FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 17, 2016 · Amount on Record |
| Deed Sale | Aug 17, 2016 · Amount on Record |
| Prior Sale | Dec 16, 2003 · Amount on Record |
| Deed Document Number | 2016428154 |
| Prior Transfer Date | Sep 30, 2005 |
| Prior Transfer Doc | 0000207134 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Apr 6, 2026 |
| Property Address | 6640 LAGOON ST, WINDERMERE, FL 34786-6503 |
| Document Number | 0000195998 |
| Instrument Date | Mar 27, 2026 |
| Instrument | 2026195998 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | CSC DOCUMENT RECORDING |
| Name | Verified Name |
|---|---|
| Address | 6640 LAGOON ST, WINDERMERE, FL 34786-6503 |
| Document Number | 0000195998, |
|---|---|
| Date | Apr 6, 2026 |
| Instrument | 2026195998 |
| Name | PARTNERS FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 16, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.44% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 6640 LAGOON ST, WINDERMERE, FL 34786-6503 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000073608 |
|---|---|
| Date | Feb 4, 2020 |
| Instrument | 20200073608 |
| Name | PARTNERS FCU |
|---|---|
| Type | Credit Union |
| Address | ORLANDO, FL 32821 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Feb 3, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $464,075 (+46.2%) | $602,145 (-) Land $500,000 Building $102,145 | |
| 2025 | $4,937.00 (+5.02%) Homeowner's exemption | $317,433 (+5.99%) | $602,145 (+51.98%) Land $500,000 Building $102,145 |
| 2024 | $4,701.00 (+7.26%) | ||
| 2023 | $4,383.00 Homeowner's exemption | $299,502 | $396,212 Land $310,000 Building $86,212 |
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 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% 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 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 Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: CenturyLink.
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