7015 Horizon Cir, Windermere, FL 34786 Property Records

Orange County property record for 7015 Horizon Cir, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,641 sqft · built 1998
Lot Size	0.721 acres (31,398 sqft)
Owner	Trust Name on File
Last Sale	$650,000 (Mar 2016)
Tax Bill	$11,284 (2025)
Deeds & Mortgages	Oct 2025 Transfer Jun 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`09-23-28-9353-00-020`

Property Details

APN / Parcel Number

Primary APN	`09-23-28-9353-00-020`
Alternative APNs	`282309935300020` `276240` `281086` `285244`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,641 sqft Living Area
Gross Area	4,807 sqft
1st Floor Area	3,260 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Tile
Lot Area	31,398 sqft (0.721 acres)
Garage Type	Attached
Garage Area	741 sqft
Parking Spaces	3 Parking Spaces
Porch	Finished/Open Porch
Porch Area	358 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	7015 HORIZON CIR
City	WINDERMERE
State	FL
Zip	34786-8409
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFR
Legal Description	WINDERMERE RESERVE 27/46 LOT 2
Legal Range	28E
Legal Township	23S
Legal Section	09
Legal Subdivision	WINDERMERE RESERVE
Legal Tract	9353
Legal Lot Number	2
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2004
Census Tract	14809

Owner

7015 Horizon Cir is owner-occupied and held in a trust since July 2025.

Source: Orange County records, as of April 30, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Trust Name on File
Mailing Address	7015 HORIZON CIR, WINDERMERE, FL 34786-8409
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2025	Quit Claim Deed, Transfer Quitclaim
Jun 16, 2022	Deed of Trust, Mortgage · Line of Credit FAIRWINDS CU
Dec 27, 2017	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Dec 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage TD BANK NA
Jan 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage FAIRWINDS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 8, 2016 · Amount on File
Deed Sale	Mar 8, 2016 · Amount on File
Prior Sale	Jun 11, 2007 · Amount on File
Deed Document Number	2016116282
Last Transfer Date	Jul 24, 2025
Transfer Doc	0000618050
Record Updated	Sep 20, 2026

October 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE FL
Recording Date	Oct 24, 2025
Property Address	7015 HORIZON CIR, WINDERMERE, FL 34786-8409
Document Number	0000618050
Map Reference	MB 27 PG 46-47
Instrument Date	Jul 24, 2025
Instrument	20250618050
Transaction Type	Transfer
Record Updated	Dec 3, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11501 BENBOW CT, ORLANDO, FL 32837-9038

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	2015 HORIZON CIRCLE, WINDERMERE, FL 34786

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	7015 HORIZON CIR, WINDERMERE, FL 34786-8409
Transaction Type	Mortgage
Record Updated	Jul 5, 2022
Title Company	MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7015 HORIZON CIR, WINDERMERE, FL 34786-8409

Mortgage

Document Number	0000378181
Date	Jun 16, 2022
Instrument	20220378181

Lender

Name	FAIRWINDS CU
Type	Credit Union
Address	ORLANDO, FL 32826

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jun 14, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	7015 HORIZON CIR, WINDERMERE, FL 34786-8409
Transaction Type	Mortgage
Record Updated	Jan 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000698022
Date	Dec 27, 2017
Instrument	20170698022

Lender

Name	TD BANK NA
Type	Bank
Address	PORTLAND, ME 04101

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 19, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	7015 HORIZON CIR, WINDERMERE, FL 34786-8409
Transaction Type	Mortgage
Record Updated	Jan 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000698021
Date	Dec 27, 2017
Instrument	20170698021

Lender

Name	TD BANK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	7015 HORIZON CIR, WINDERMERE, FL 34786-8409
Transaction Type	Mortgage
Record Updated	Jan 3, 2022
Title Company	MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7015 HORIZON CIR, WINDERMERE, FL 34786-8409

Mortgage

Document Number	0000051924
Date	Jan 27, 2021
Instrument	20210051924

Lender

Name	FAIRWINDS CU
Type	Credit Union
Address	ORLANDO, FL 32826

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 7015 Horizon Cir was $11,284, up 3% from the year before.

Source: Orange County assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Orange County
Municipality	Windermere Town
Unified School District	Orange County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$708,574 (+2.7%)	$1,095,100 (-1.46%) Land $200,000 Building $895,100
2025	$11,284.00 (+3.03%) Homeowner's exemption	$689,945	$1,111,270 Land $200,000 Building $911,270
2024	$10,952.00 (+3.35%)
2023	$10,597.00 (+2.94%) Homeowner's exemption	$650,971 (+3%)	$1,006,737 (+17.41%) Land $200,000 Building $806,737
2022	$10,294.00 Homeowner's exemption	$632,011	$857,466 Land $175,000 Building $682,466

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

Flood

FEMA maps place 7015 Horizon Cir in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1989.

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 File median of 59 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	59 in force
Nearby Flood Claims	11 (1989–2024)
Claims Outside the SFHA	4 of 11
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Ian, Sep 2022 · 2 claims Hurricane Frances, Sep 2004 · 2 claims

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 7015 Horizon Cir is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.05% 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 126 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink, Hotwire Communications, Xfinity.

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