8531 Bowden Way, Windermere, FL 34786 Property Records

Orange County property record for 8531 Bowden Way, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,985 sqft · built 2004
Lot Size	0.335 acres (14,599 sqft)
Owner	2 Individual Names on File
Last Sale	$528,650 (Feb 2021)
Tax Bill	$8,311 (2025)
Deeds & Mortgages	Feb 2021 Sale & Mortgage Feb 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`29-23-28-4074-02-480`

Property Details

APN / Parcel Number

Primary APN	`29-23-28-4074-02-480`
Alternative APNs	`282329407402480` `294158` `299007` `303171`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,985 sqft Living Area
Gross Area	4,160 sqft
1st Floor Area	2,231 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,599 sqft (0.335 acres)
Garage Type	Attached
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	382 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	8531 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 248
Legal Range	28E
Legal Township	23S
Legal Section	29
Legal Subdivision	KEENES POINTE UT 1
Legal Tract	4074
Legal Block	2
Legal Lot Number	248
Legal Unit	1
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2010
Census Tract	17108

Owner

8531 Bowden Way is owned and occupied by two individuals who bought it in February 2021.

Source: Orange County records, as of April 30, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	8531 BOWDEN WAY, WINDERMERE, FL 34786-5302
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 22, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 23, 2018	Deed of Trust, Mortgage · Conventional Mortgage METRO CTY BK
Mar 2, 2018	Warranty Deed, Transfer ORLANDO TITLE SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 22, 2021 · Amount on File
Deed Sale	Feb 22, 2021 · Amount on File
Prior Sale	Mar 2, 2018 · Amount on File
Deed Document Number	2021104224
Record Updated	Oct 29, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Feb 22, 2021
Property Address	8531 BOWDEN WAY, WINDERMERE, FL 34786-5302
Document Number	20210104224
Map Reference	MB 39 PG 74-89
Instrument Date	Feb 9, 2021
Instrument	20210104224
Transaction Type	Transfer
Record Updated	Mar 11, 2021
Title Company	ORLANDO TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,700.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6863 VALHALLA WAY, 6863, WINDERMERE, FL 34786-5627

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8531 BOWDEN WAY, WINDERMERE, FL 34786-5302

Mortgage

Document Number	20210104225
Date	Feb 22, 2021
Instrument	20210104225

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Feb 22, 2021
Property Address	8531 BOWDEN WAY, WINDERMERE, FL 34786-5302
Document Number	0000104224
Map Reference	MB 39 PG 74-89
Instrument Date	Feb 9, 2021
Instrument	20210104224
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	ORLANDO TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,700.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6863 VALHALLA WAY, 6863, WINDERMERE, FL 34786-5627

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8531 BOWDEN WAY, WINDERMERE, FL 34786-5302

Mortgage

Document Number	0000104225
Date	Feb 22, 2021
Instrument	20210104225

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	8531 BOWDEN WAY, WINDERMERE, FL 34786-5302
Document Number	0000437190
Instrument Date	Jul 23, 2018
Transaction Type	Mortgage
Record Updated	Aug 14, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8052 TIBET BUTLER DR WINDERMERE FL 347865612, WINDERMERE, FL 34786-5612

Mortgage

Document Number	0000437190
Date	Jul 24, 2018
Instrument	437190

Lender

Name	METRO CTY BK
Type	Bank
Address	DORAVILLE, GA 30340

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 23, 2048

Interest

Rate Type	Adjustable Rate
Rate	5.12%

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Mar 2, 2018
Property Address	8531 BOWDEN WAY, WINDERMERE, FL 34786-5302
Document Number	0000125098
Instrument Date	Mar 1, 2018
Instrument	125098
Transaction Type	Transfer
Record Updated	Mar 16, 2018
Title Company	ORLANDO TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Tax	$3,079.99
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8531 BOWDEN WAY WINDERMERE FL 347865302, WINDERMERE, FL 34786-5302

Tax Assessment & Valuation

The 2025 property tax bill for 8531 Bowden Way was $8,311, up 4.1% from the year before.

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		$537,445 (+2.7%)	$865,790 (-1.25%) Land $230,000 Building $635,790
2025	$8,311.00 (+4.1%) Homeowner's exemption	$523,315	$876,710 Land $230,000 Building $646,710
2024	$7,984.00 (+7.25%)
2023	$7,444.00 (+10.97%) Homeowner's exemption	$493,754 (+10.26%)	$648,507 (+44.81%) Land $230,000 Building $418,507
2022	$6,708.00 Homeowner's exemption	$447,819 Land $130,000 Building $317,819	$447,819 Land $130,000 Building $317,819

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 8531 Bowden Way in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 8531 Bowden Way is low, with a 0.04% annual chance of 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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