8549 Bowden Way, Windermere, FL 34786 Property Records

Orange County property record for 8549 Bowden Way, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,498 sqft · built 2003
Lot Size	0.257 acres (11,210 sqft)
Owner	2 Individual Names on Record
Last Sale	$435,000 (May 2016)
Tax Bill	$11,811 (2025)
Deeds & Mortgages	May 2021 Mortgage Feb 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-23-28-4074-02-460`

Property Details

APN / Parcel Number

Primary APN	`29-23-28-4074-02-460`
Alternative APNs	`282329407402460` `294155` `299005` `303169`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,498 sqft Living Area
Gross Area	3,098 sqft
1st Floor Area	2,338 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,210 sqft (0.257 acres)
Garage Type	Attached
Garage Area	490 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	270 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	8549 BOWDEN WAY
City	WINDERMERE
State	FL
Zip	34786-5309
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	KEENES POINTE UNIT 1 39/74 LOT 246
Legal Range	28E
Legal Township	23S
Legal Section	29
Legal Subdivision	KEENES POINTE UT 1
Legal Tract	4074
Legal Block	2
Legal Lot Number	246
Legal Unit	1
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2012
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	8549 BOWDEN WAY, WINDERMERE, FL 34786-5309
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA
Feb 25, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage FIFTH THIRD BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 2, 2016 · Amount on Record
Deed Sale	May 2, 2016 · Amount on Record
Prior Sale	Nov 19, 2004 · Amount on Record
Deed Document Number	2016219054
Last Transfer Date	Feb 15, 2019
Transfer Doc	0000114188
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	8549 BOWDEN WAY, WINDERMERE, FL 34786-5309
Transaction Type	Mortgage
Record Updated	Jun 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8549 BOWDEN WAY, WINDERMERE, FL 34786-5309

Mortgage

Document Number	20210285217
Date	May 11, 2021
Instrument	20210285217

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

February 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE FL
Recording Date	Feb 25, 2019
Property Address	8549 BOWDEN WAY, WINDERMERE, FL 34786-5309
Document Number	0000114188
Map Reference	MB 39 PG 74-89
Instrument Date	Feb 15, 2019
Instrument	20190114188
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	NATIONAL TITLE SOLUTIONS INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8549 BOWDEN WAY, WINDERMERE, FL 34786-5309

Mortgage

Document Number	0000114189
Date	Feb 25, 2019
Instrument	20190114189

Lender

Name	FIFTH THIRD BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

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		$742,680 (-0.66%) Land $230,000 Building $512,680	$742,680 (-1.13%) Land $230,000 Building $512,680
2025	$11,811.00 (+3.71%) Homeowner's exemption	$747,593 (+15.03%)	$751,140 (+15.58%) Land $230,000 Building $521,140
2024	$11,388.00 (+22.58%)
2023	$9,290.00 (+19.59%)	$649,901 (+34.58%) Land $230,000 Building $419,901	$649,901 (+34.58%) Land $230,000 Building $419,901
2022	$7,768.00	$482,903 Land $130,000 Building $352,903	$482,903 Land $130,000 Building $352,903

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
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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