8424 Bowden Way, Windermere, FL 34786 Property Records

Orange County property record for 8424 Bowden Way, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,388 sqft · built 1999
Lot Size	0.257 acres (11,213 sqft)
Owner	Individual Name on Record
Last Sale	$460,000 (Aug 2017)
Tax Bill	$11,432 (2025)
Deeds & Mortgages	Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-23-28-4074-03-090`

Property Details

APN / Parcel Number

Primary APN	`29-23-28-4074-03-090`
Alternative APNs	`282329407403090` `294231` `299081` `303247`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,388 sqft Living Area
Gross Area	3,534 sqft
1st Floor Area	2,388 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,213 sqft (0.257 acres)
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	594 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	8424 BOWDEN WAY
City	WINDERMERE
State	FL
Zip	34786-5301
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	KEENES POINTE UNIT 1 39/74 LOT 309
Legal Range	28E
Legal Township	23S
Legal Section	29
Legal Subdivision	KEENES POINTE UT 1
Legal Tract	4074
Legal Block	3
Legal Lot Number	309
Legal Unit	1
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2011
Census Tract	17108

Owner

Source: Orange County records, 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	Individual Name on Record
Mailing Address	8424 BOWDEN WAY, WINDERMERE, FL 34786-5301
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Woman, Separate Property

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 14, 2017 · Amount on Record
Deed Sale	Aug 14, 2017 · Amount on Record
Prior Sale	Apr 7, 2011 · Amount on Record
Deed Document Number	2017449072
Last Transfer Date	Apr 17, 2025
Transfer Doc	0000226654
Record Updated	Sep 20, 2026

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Aug 14, 2017
Property Address	8424 BOWDEN WAY, WINDERMERE, FL 34786-5301
Document Number	0000449072
Map Reference	MB 39 PG 74-89
Instrument Date	Aug 11, 2017
Instrument	20170449072
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	SIGNATURE TITLE PROFESSIONAL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,220.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8021 WHITFORD CT, 8021, WINDERMERE, FL 34786-5617

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11803 THATCHER AVE, ORLANDO, FL 32836-8875

Mortgage

Document Number	0000449073
Date	Aug 14, 2017
Instrument	20170449073

Lender

Name	COMPASS BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Sep 1, 2024
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	8.37%
Index	1-Year LIBOR
Margin	2
Max Rate	8.37%

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		$730,040 (+15.76%) Land $230,000 Building $500,040	$730,040 (-1.16%) Land $230,000 Building $500,040
2025	$11,432.00 (+7.68%)	$630,672 (-1.33%)	$738,610 (+15.55%) Land $230,000 Building $508,610
2024	$10,617.00 (+14.63%)
2023	$9,262.00 (+19.56%)	$639,195 (+34.9%) Land $230,000 Building $409,195	$639,195 (+34.9%) Land $230,000 Building $409,195
2022	$7,747.00	$473,833 Land $130,000 Building $343,833	$473,833 Land $130,000 Building $343,833

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 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	Hurricane Ian, Sep 2022 · 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

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.

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 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