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8520 Bowden Way, Windermere, FL 34786 Property Records

Orange County property record for 8520 Bowden Way, Windermere, FL 34786

Property Summary

Property TypeSingle Family Home
Details5 bd · 4 ba · 3,043 sqft · built 2002
Lot Size0.283 acres (12,313 sqft)
Owner2 Trust Names on Record
Last Sale$599,000 (Sep 2014)
Tax Bill$9,089 (2025)
Deeds & MortgagesApr 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN29-23-28-4074-03-140

Property Details

APN / Parcel Number

Primary APN29-23-28-4074-03-140
Alternative APNs
  • 282329407403140
  • 294237
  • 299087
  • 303252

Interior

Bedrooms5 Beds
Full Baths4 Baths
Stories2 Stories
Building Area3,043 sqft Living Area
Gross Area3,904 sqft
1st Floor Area2,571 sqft
FlooringWood
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2002
Effective Year BuiltEffective 2002
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area12,313 sqft (0.283 acres)
Garage TypeAttached
Garage Area462 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Open Porch
Porch Area316 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address8520 BOWDEN WAY
CityWINDERMERE
StateFL
Zip34786-5306
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeP-D
Legal DescriptionKEENES POINTE UNIT 1 39/74 LOT 314
Legal Range28E
Legal Township23S
Legal Section29
Legal SubdivisionKEENES POINTE UT 1
Legal Tract4074
Legal Block3
Legal Lot Number314
Legal Unit1
JurisdictionORANGE FL
Township / Civil DivisionSOUTHWEST ORANGE
Census Block Group2
Census Block2010
Census Tract17108

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 Trust Names on Record
Mailing Address8520 BOWDEN WAY, WINDERMERE, FL 34786-5306
OccupancyOwner Occupied
Owner TypeIndividual
VestingTrust, Revocable Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 2, 2014 · Amount on Record
Deed SaleSep 2, 2014 · Amount on Record
Prior SaleMay 21, 2013 · Amount on Record
Deed Document Number2014443930
Deed Book / Page10798 / 4433
Record UpdatedJun 8, 2026

April 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionORANGE FL
Property Address8520 BOWDEN WAY, WINDERMERE, FL 34786-5306
Document Number0000239072
Instrument DateApr 2, 2020
Transaction TypeMortgage
Record UpdatedMay 8, 2020
Title CompanyTITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipMarried Couple
Address8520 BOWDEN WAY WINDERMERE FL 347865306, WINDERMERE, FL 34786-5306

Mortgage

Document Number0000239072
DateApr 17, 2020
Instrument239072
Lender
NameRP FNDG
TypeFunding / Finance Company
AddressLAKE MARY, FL 32746
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term300 Months
DueApr 16, 2045

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$586,181 (+2.7%)$885,770 (-1.28%) Land $230,000 Building $655,770
2025$9,089.00 (+3.99%) Homeowner's exemption$570,770 (+5.99%)$897,300 (+16.49%) Land $230,000 Building $667,300
2024$8,740.00 (+7.24%)
2023$8,150.00 (+3.26%) Homeowner's exemption$538,528 (+3%)$770,304 (+31%) Land $230,000 Building $540,304
2022$7,893.00 Homeowner's exemption$522,843$588,011 Land $130,000 Building $458,011

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 66 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies66 in force
Nearby Flood Claims6 (2016–2022)
Claims Outside the SFHA6 of 6
Most Recent ClaimSep 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 RiskLow
lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood0.04% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 402 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

May also be available: CenturyLink.

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