8526 Bowden Way, Windermere, FL 34786 Property Records

Orange County property record for 8526 Bowden Way, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,138 sqft · built 1999
Lot Size	0.276 acres (12,020 sqft)
Owner	2 Individual Names on Record
Last Sale	$435,000 (Nov 2007)
Tax Bill	$5,812 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-23-28-4074-03-150`

Property Details

APN / Parcel Number

Primary APN	`29-23-28-4074-03-150`
Alternative APNs	`282329407403150` `294239` `299088` `303253`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,138 sqft Living Area
Gross Area	3,329 sqft
1st Floor Area	1,349 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	12,020 sqft (0.276 acres)
Garage Type	Attached
Garage Area	609 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	443 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	8526 BOWDEN WAY
City	WINDERMERE
State	FL
Zip	34786-5306
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	KEENES POINTE UNIT 1 39/74 LOT 315
Legal Range	28E
Legal Township	23S
Legal Section	29
Legal Subdivision	KEENES POINTE UT 1
Legal Tract	4074
Legal Block	3
Legal Lot Number	315
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	8526 BOWDEN WAY, WINDERMERE, FL 34786-5306
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Oct 14, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2007 · Amount on Record
Deed Sale	Nov 13, 2007 · Amount on Record
Prior Sale	May 25, 2004 · Amount on Record
Deed Document Number	2007746289
Deed Book / Page	9504 / 3258
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	8526 BOWDEN WAY, WINDERMERE, FL 34786-5306
Transaction Type	Mortgage
Record Updated	Oct 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8526 BOWDEN WAY, WINDERMERE, FL 34786-5306

Mortgage

Document Number	20210587687
Date	Sep 27, 2021
Instrument	20210587687

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2041

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	8526 BOWDEN WAY, WINDERMERE, FL 34786-5306
Document Number	0000696785
Instrument Date	Oct 14, 2019
Transaction Type	Mortgage
Record Updated	Nov 26, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8526 BOWDEN WAY WINDERMERE FL 347865306, WINDERMERE, FL 34786-5306

Mortgage

Document Number	0000696785
Date	Nov 6, 2019
Instrument	696785

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 5, 2039

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		$380,842 (+2.7%)	$735,870 (-1.32%) Land $230,000 Building $505,870
2025	$5,812.00 (+4.66%) Homeowner's exemption	$370,830 (+5.99%)	$745,730 (+14.35%) Land $230,000 Building $515,730
2024	$5,553.00 (+7.26%)
2023	$5,177.00 (+3.56%) Homeowner's exemption	$349,883 (+3%)	$652,133 (+33.4%) Land $230,000 Building $422,133
2022	$4,999.00 Homeowner's exemption	$339,692	$488,871 Land $130,000 Building $358,871

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	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 402 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink.

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