Orange County property record for 8399 Bowden Way, Windermere, FL 34786
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,851 sqft · built 2001 |
| Lot Size | 0.258 acres (11,223 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $560,000 (Nov 2017) |
| Tax Bill | $14,695 (2025) |
| Deeds & Mortgages | Sep 2019 Line of Credit Nov 2017 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-23-28-4074-02-830 |
| Primary APN | 29-23-28-4074-02-830 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,851 sqft Living Area |
| Gross Area | 3,738 sqft |
| 1st Floor Area | 2,851 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,223 sqft (0.258 acres) |
| Garage Type | Attached |
| Garage Area | 659 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 228 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 8399 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 283 |
| Legal Range | 28E |
| Legal Township | 23S |
| Legal Section | 29 |
| Legal Subdivision | KEENES POINTE UT 1 |
| Legal Tract | 4074 |
| Legal Block | 2 |
| Legal Lot Number | 283 |
| Legal Unit | 1 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 17108 |
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 | 8399 BOWDEN WAY, WINDERMERE, FL 34786-5300 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 18, 2019 | Deed of Trust, Mortgage · Line of Credit BANCORP BK |
| Nov 25, 2017 | Deed of Trust, Mortgage · Line of Credit 121 FIN'L CU |
| Nov 7, 2017 | Warranty Deed, Transfer · Conventional Mortgage 121 FINANCIAL CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 7, 2017 · Amount on Record |
| Deed Sale | Nov 7, 2017 · Amount on Record |
| Prior Sale | May 20, 2014 · Amount on Record |
| Deed Document Number | 2017607058 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 8399 BOWDEN WAY, WINDERMERE, FL 34786-5300 |
| Document Number | 0000606805 |
| Instrument Date | Sep 18, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 15, 2019 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 8399 BOWDEN WAY WINDERMERE FL 347865300, WINDERMERE, FL 34786-5300 |
| Document Number | 0000606805 |
|---|---|
| Date | Sep 30, 2019 |
| Instrument | 606805 |
| Name | BANCORP BK |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 29, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 8399 BOWDEN WAY, WINDERMERE, FL 34786-5300 |
| Document Number | 0000659421 |
| Instrument Date | Nov 25, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Dec 28, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 8399 BOWDEN WAY WINDERMERE FL 347865300, WINDERMERE, FL 34786-5300 |
| Document Number | 0000659421 |
|---|---|
| Date | Dec 4, 2017 |
| Instrument | 659421 |
| Name | 121 FIN'L CU |
|---|---|
| Type | Funding / Finance Company |
| Address | JACKSONVILLE, FL 32203 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 3, 2037 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Nov 7, 2017 |
| Property Address | 8399 BOWDEN WAY, WINDERMERE, FL 34786-5300 |
| Document Number | 0000607058 |
| Map Reference | MB 39 PG 74-89 |
| Instrument Date | Oct 31, 2017 |
| Instrument | 20170607058 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2022 |
| Title Company | PREMIER ALLIANCE TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,920.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2203 HOFFNER AVE, 2203, BELLE ISLE, FL 32809-3533 |
| Name | Verified Name |
|---|---|
| Address | 8399 BOWDEN WAY, WINDERMERE, FL 34786-5300 |
| Document Number | 0000607059 |
|---|---|
| Date | Nov 7, 2017 |
| Instrument | 20170607059 |
| Name | 121 FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2047 |
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 | $861,390 (-1.24%) Land $250,000 Building $611,390 | $861,390 (-1.24%) Land $250,000 Building $611,390 | |
| 2025 | $14,695.00 (+96.67%) Homeowner's exemption | $872,240 (+88.21%) Land $250,000 Building $622,240 | $872,240 (+15.32%) Land $250,000 Building $622,240 |
| 2024 | $7,472.00 (+7.25%) | ||
| 2023 | $6,967.00 (+3.35%) Homeowner's exemption | $463,447 (+3%) | $756,378 (+30.34%) Land $250,000 Building $506,378 |
| 2022 | $6,741.00 Homeowner's exemption | $449,949 | $580,330 Land $150,000 Building $430,330 |
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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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 158 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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