8435 Bowden Way, Windermere, FL 34786 Property Records

Orange County property record for 8435 Bowden Way, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,764 sqft · built 2000
Lot Size	0.258 acres (11,217 sqft)
Owner	2 Individual Names on Record
Last Sale	$485,000 (Jan 2021)
Tax Bill	$7,323 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-23-28-4074-02-620`

Property Details

APN / Parcel Number

Primary APN	`29-23-28-4074-02-620`
Alternative APNs	`282329407402620` `294175` `299024` `303189`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,764 sqft Living Area
Gross Area	3,796 sqft
1st Floor Area	2,279 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,217 sqft (0.258 acres)
Garage Type	Attached
Garage Area	606 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	341 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	8435 BOWDEN WAY
City	WINDERMERE
State	FL
Zip	34786-5302
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	KEENES POINTE UNIT 1 39/74 LOT 262
Legal Range	28E
Legal Township	23S
Legal Section	29
Legal Subdivision	KEENES POINTE UT 1
Legal Tract	4074
Legal Block	2
Legal Lot Number	262
Legal Unit	1
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2010
Census Tract	17108

Owner

Source: Orange County records, as of May 4, 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	8435 BOWDEN WAY, WINDERMERE, FL 34786-5302
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 26, 2021 · Amount on Record
Deed Sale	Jan 26, 2021 · Amount on Record
Prior Sale	Jun 9, 2000 · Amount on Record
Deed Document Number	202148457
Record Updated	Jun 8, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jan 26, 2021
Property Address	8435 BOWDEN WAY, WINDERMERE, FL 34786-5302
Document Number	0000048457
Instrument Date	Jan 15, 2021
Instrument	48457
Transaction Type	Transfer
Record Updated	Feb 10, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,395.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	8435 BOWDEN WAY WINDERMERE FL 347865302, WINDERMERE, FL 34786-5302

Mortgage

Document Number	48458
Date	Jan 26, 2021
Instrument	48458

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Bank
Address	ATLANTA, GA 30361

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 25, 2051

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		$475,524 (+2.7%)	$829,330 (-1.19%) Land $240,000 Building $589,330
2025	$7,323.00 (+4.29%) Homeowner's exemption	$463,022 (+5.99%)	$839,290 (+39.9%) Land $240,000 Building $599,290
2024	$7,022.00 (+7.24%)
2023	$6,548.00 (+3.39%) Homeowner's exemption	$436,867 (+3%)	$599,905 (+41.44%) Land $240,000 Building $359,905
2022	$6,333.00 Homeowner's exemption	$424,143 Land $135,000 Building $289,143	$424,143 Land $135,000 Building $289,143

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