9011 Pinnacle Cir, Windermere, FL 34786 Property Records

Orange County property record for 9011 Pinnacle Cir, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 5,748 sqft · built 2002
Lot Size	1.2 acres (52,685 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,875,000 (Aug 2026)
Tax Bill	$23,490 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-23-28-4398-00-020`

Property Details

APN / Parcel Number

Primary APN	`04-23-28-4398-00-020`
Alternative APNs	`282304439800020` `273712` `278555` `282709`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	5,748 sqft Living Area
Gross Area	8,332 sqft
1st Floor Area	4,023 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Concrete Block/Stucco
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	52,685 sqft (1.2 acres)
Garage Type	Attached
Garage Area	1,330 sqft
Parking Spaces	5 Parking Spaces
Porch	Slab
Porch Area	950 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	9011 PINNACLE CIR
City	WINDERMERE
State	FL
Zip	34786-8221
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-CE
Legal Description	LAKE DOWN CREST 26/52 LOT 2
Legal Range	28E
Legal Township	23S
Legal Section	04
Legal Subdivision	LAKE DOWN CREST
Legal Tract	4398
Legal Lot Number	2
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1004
Census Tract	14815

Owner

Source: Orange County records, as of October 13, 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	3501 EMBASSY DR, SPRINGFIELD, IL 62711-7378
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2026	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK
Sep 12, 2017	Warranty Deed, Transfer WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2026 · Amount on Record
Deed Sale	Aug 3, 2026 · Amount on Record
Prior Sale	Sep 12, 2017 · Amount on Record
Deed Document Number	2026429968
Prior Transfer Date	Aug 8, 2003
Prior Transfer Doc	0000519815
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Aug 3, 2026
Property Address	9011 PINNACLE CIR, WINDERMERE, FL 34786-8221
Document Number	0000429968
Instrument Date	Jul 31, 2026
Instrument	2026429968
Transaction Type	Transfer
Record Updated	Aug 11, 2026
Title Company	SIMPLE TITLE, SIMPLIFILE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,325,625.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3501 EMBASSY DR, SPRINGFIELD, IL 62711-7378

Mortgage

Document Number	0000429969,
Date	Aug 3, 2026
Instrument	2026429969

Lender

Name	JPMORGAN CHASE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.47%
Initial Type	Fixed Rate
Max Rate	-1%

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Sep 12, 2017
Property Address	9011 PINNACLE CIR, WINDERMERE, FL 34786-8221
Document Number	0000499670
Instrument Date	Sep 5, 2017
Instrument	499670
Transaction Type	Transfer
Record Updated	Aug 25, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,350.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	827 E 26TH ST HOUSTON TX 770091003, HOUSTON, TX 77009-1003

Mortgage

Document Number	499671
Date	Sep 12, 2017
Instrument	499671

Lender

Name	WELLS FARGO BK
Address	SIOUX FALLS, SD 57104

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 11, 2047

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		$1,363,134 (+1%)	$1,532,820 (-1.43%) Land $260,000 Building $1,272,820
2025	$23,490.00 (+7.57%)	$1,239,213 (+2.21%)	$1,555,010 (+28.26%) Land $260,000 Building $1,295,010
2024	$21,836.00 (+19.62%)
2023	$18,255.00 (+17.54%)	$1,212,408 (+30.22%) Land $260,000 Building $952,408	$1,212,408 (+30.22%) Land $260,000 Building $952,408
2022	$15,531.00	$931,039 Land $260,000 Building $671,039	$931,039 Land $260,000 Building $671,039

Assessed value is set for property tax purposes, not a market price estimate; it is 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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 13 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	13 in force

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 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	Direct 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 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 157 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Xfinity.

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