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8478 Elba Isle Ct, Windermere, FL 34786 Property Records

Orange County property record for 8478 Elba Isle Ct, Windermere, FL 34786

Property Summary

Property TypeSingle Family Home
Details5 bd · 4.5 ba · 3,797 sqft · built 2018
Lot Size0.385 acres (16,773 sqft)
Owner2 Company Names on Record
Last Sale$1,170,000 (Aug 2022)
Tax Bill$15,588 (2025)
Deeds & MortgagesAug 2022 Sale & Mortgage
Oct 2018 Sale
Flood ZoneZone X (minimal risk)
APN34-23-27-9177-01-160

Property Details

APN / Parcel Number

Primary APN34-23-27-9177-01-160
Alternative APNs
  • 272334917701160
  • 157037
  • 158308
  • 160727

Interior

Bedrooms5 Beds
Full Baths4.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area3,797 sqft Living Area
Gross Area5,568 sqft
1st Floor Area2,298 sqft
FlooringWood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2018
Effective Year BuiltEffective 2018
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialConcrete
Lot Area16,773 sqft (0.385 acres)
Garage TypeAttached
Garage Area440 sqft
PorchFinished/Open Porch
Porch Area390 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address8478 ELBA ISLE CT
CityWINDERMERE
StateFL
Zip34786-6766
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeP-D
Legal DescriptionWINDERMERE ISLE - PHASE 2 93/143 LOT 116
Legal Range27E
Legal Township23S
Legal Section34
Legal SubdivisionWINDERMERE ISLE - PH 2
Legal Phase2
Legal Block1
Legal Lot Number116
JurisdictionORANGE FL
Township / Civil DivisionSOUTHWEST ORANGE
Census Block Group1
Census Block1016
Census Tract17111

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 Record2 Company Names on Record
Mailing Address8478 ELBA ISLE CT, WINDERMERE, FL 34786-6766
Owner TypeCompany
VestingLife Tenant

Deeds, Mortgages & Sale History

DateDocument
Aug 12, 2022Warranty Deed, Transfer · Conventional Mortgage
PARADISE BANK
Oct 2, 2018Grant Deed, Subdivision Related Transfer
FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 12, 2022 · Amount on Record
Deed SaleAug 12, 2022 · Amount on Record
Prior SaleOct 2, 2018 · Amount on Record
Deed Document Number2022494710
Record UpdatedJun 8, 2026

August 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionORANGE FL
Recording DateAug 12, 2022
Property Address8478 ELBA ISLE CT, WINDERMERE, FL 34786-6766
Document Number0000494710
Map ReferenceMB 93 PG 143
Instrument DateAug 11, 2022
Instrument20220494710
Transaction TypeTransfer
Record UpdatedJun 7, 2023
Title CompanySUNBELT TITLE AGENCY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$8,190.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address785 SHELL ST, 785, SATELLITE BEACH, FL 32937-5448

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address8478 ELBA ISLE CT, WINDERMERE, FL 34786-6766

Mortgage

Document Number0000494711
DateAug 12, 2022
Instrument20220494711
Lender
NamePARADISE BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2052

October 2018: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionORANGE FL
Recording DateOct 2, 2018
Property Address8478 ELBA ISLE CT, WINDERMERE, FL 34786-6766
Document Number0000580384
Instrument DateSep 28, 2018
Instrument580384
Transaction TypeSubdivision Related Transfer
Record UpdatedOct 23, 2018
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount Recorded
Tax$4,290.73
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address8478 ELBA ISLE CT WINDERMERE FL 34786, WINDERMERE, FL 34786

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOrange County
Unified School DistrictOrange County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$938,460 (+1.49%) Land $175,000 Building $763,460$938,460 (+1.49%) Land $175,000 Building $763,460
2025$15,588.00 (+5.11%)$924,710 (+15.42%) Land $150,000 Building $774,710$924,710 (+15.42%) Land $150,000 Building $774,710
2024$14,830.00 (+14.61%)
2023$12,939.00 (+59.66%)$801,203 (+50.81%) Land $150,000 Building $651,203$801,203 (+36.52%) Land $150,000 Building $651,203
2022$8,104.00 Homeowner's exemption$531,272$586,887 Land $135,000 Building $451,887

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 269 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies269 in force
Nearby Flood Claims4 (2014–2024)
Claims Outside the SFHA1 of 4
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Milton, Oct 2024 · 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 RiskHigh
above 76% of the US · above 64% of Florida
Wildfire Likelihood0.4% annual chance
ExposureDirect
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 SystemOCUD/SOUTHERN WATER SYS (5 WPS)
serves 80,738 people · EPA ID FL3484119
Water SourceGroundwater
Last State InspectionMay 2024
Lead2 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 196 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

May also be available: CenturyLink.

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