Orange County property record for 8321 Bowden Way, Windermere, FL 34786
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,166 sqft · built 1999 |
| Lot Size | 0.344 acres (14,984 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $605,000 (Nov 2019) |
| Tax Bill | $9,462 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Nov 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-23-28-4074-02-960 |
| Primary APN | 29-23-28-4074-02-960 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 3,166 sqft Living Area |
| Gross Area | 4,107 sqft |
| 1st Floor Area | 2,928 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 14,984 sqft (0.344 acres) |
| Garage Type | Detached |
| Garage Area | 588 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 311 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 8321 BOWDEN WAY |
|---|---|
| City | WINDERMERE |
| State | FL |
| Zip | 34786-5300 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | P-D |
| Legal Description | KEENES POINTE UNIT 1 39/74 LOT 296 |
| Legal Range | 28E |
| Legal Township | 23S |
| Legal Section | 29 |
| Legal Subdivision | KEENES POINTE UT 1 |
| Legal Tract | 4074 |
| Legal Block | 2 |
| Legal Lot Number | 296 |
| Legal Unit | 1 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 17108 |
8321 Bowden Way is owned and occupied by two individuals who bought it in November 2019.
Source: Orange County records, as of May 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 8321 BOWDEN WAY, WINDERMERE, FL 34786-5300 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 8, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NJ LENDERS |
| Nov 15, 2019 | Warranty Deed, Transfer · Conventional Mortgage NJ LENDERS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 15, 2019 · Amount on File |
| Deed Sale | Nov 15, 2019 · Amount on File |
| Prior Sale | Oct 6, 2011 · Amount on File |
| Deed Document Number | 2019722710 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 8321 BOWDEN WAY, WINDERMERE, FL 34786-5300 |
| Document Number | 0000005728 |
| Instrument Date | Dec 8, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 8321 BOWDEN WAY WINDERMERE FL 347865300, WINDERMERE, FL 34786-5300 |
| Document Number | 0000005728 |
|---|---|
| Date | Jan 5, 2021 |
| Instrument | 5728 |
| Name | NJ LENDERS |
|---|---|
| Address | LITTLE FALLS, NJ 07424 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 4, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Nov 15, 2019 |
| Property Address | 8321 BOWDEN WAY, WINDERMERE, FL 34786-5300 |
| Document Number | 0000722710 |
| Instrument Date | Nov 13, 2019 |
| Instrument | 722710 |
| Transaction Type | Transfer |
| Record Updated | Dec 6, 2019 |
| Title Company | STEWART TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,234.37 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 8321 BOWDEN WAY WINDERMERE FL 347865300, WINDERMERE, FL 34786-5300 |
| Document Number | 722713 |
|---|---|
| Date | Nov 15, 2019 |
| Instrument | 722713 |
| Name | NJ LENDERS |
|---|---|
| Address | LITTLE FALLS, NJ 07424 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 14, 2049 |
The 2025 property tax bill for 8321 Bowden Way was $9,462, up 3.9% from the year before.
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 | $609,578 (+2.7%) | $916,630 (-1.33%) Land $230,000 Building $686,630 | |
| 2025 | $9,462.00 (+3.94%) Homeowner's exemption | $593,552 | $929,010 Land $230,000 Building $699,010 |
| 2024 | $9,103.00 (+7.23%) | ||
| 2023 | $8,489.00 (+3.23%) Homeowner's exemption | $560,023 (+3%) | $799,793 (+30.43%) Land $230,000 Building $569,793 |
| 2022 | $8,223.00 Homeowner's exemption | $543,712 | $613,191 Land $130,000 Building $483,191 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 8321 Bowden Way in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2016.
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 66 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 66 in force |
| Nearby Flood Claims | 6 (2016–2022) |
| Claims Outside the SFHA | 6 of 6 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
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 risk around 8321 Bowden Way is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 53% of the US · lower than 76% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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 82 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 / 1,000 |
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