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9015 Terrace Oak Ct, Windermere, FL 34786 Property Records

Orange County property record for 9015 Terrace Oak Ct, Windermere, FL 34786

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,492 sqft · built 1987
Lot Size0.234 acres (10,193 sqft)
OwnerIndividual Name on Record
Last Sale$162,000 (May 2003)
Tax Bill$3,367 (2025)
Deeds & MortgagesJul 2026 Mortgage
Flood ZoneZone X (minimal risk)
APN16-23-28-8080-02-800

Property Details

APN / Parcel Number

Primary APN16-23-28-8080-02-800
Alternative APNs
  • 282316808002800
  • 284126
  • 288969
  • 293133

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,492 sqft Living Area
Gross Area2,007 sqft
1st Floor Area1,492 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1987
Effective Year BuiltEffective 1990
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area10,193 sqft (0.234 acres)
Garage TypeAttached
Garage Area483 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Open Porch
Porch Area32 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address9015 TERRACE OAK CT
CityWINDERMERE
StateFL
Zip34786-8819
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-1AA
Legal DescriptionSILVER WOODS PHASE FIVE 19/31 LOT 280
Legal Range28E
Legal Township23S
Legal Section16
Legal SubdivisionSILVER WOODS PH 5
Legal Phase5
Legal Tract8080
Legal Block2
Legal Lot Number280
JurisdictionORANGE FL
Township / Civil DivisionSOUTHWEST ORANGE
Census Block Group2
Census Block2037
Census Tract14809

Owner

Source: Orange County records, as of August 4, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address9015 TERRACE OAK CT, WINDERMERE, FL 34786-8819
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 9, 2003 · Amount on Record
Deed SaleMay 9, 2003 · Amount on Record
Deed Document Number2003259135
Deed Book / Page6904 / 564
Record UpdatedSep 20, 2026

July 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionORANGE FL
Recording DateJul 22, 2026
Property Address9015 TERRACE OAK CT, WINDERMERE, FL 34786-8819
Document Number0000406257
Instrument DateJul 7, 2026
Instrument2026406257
Transaction TypeMortgage
Record UpdatedAug 4, 2026
Title CompanyCSC DOCUMENT RECORDING

Transaction

Tax$0.00
Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
Address13705 INTERNATIONAL DR S, ORLANDO, FL 32821-5411

Mortgage

Document Number0000406257,
DateJul 22, 2026
Instrument2026406257
Lender
NamePARTNERS FEDERAL CREDIT UNION
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term240 Months
DueJul 27, 2046
Interest
Rate TypeFixed Rate
Rate6.52%
Initial TypeFixed Rate
Max Rate-1%

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$211,722 (+2.7%)$408,280 (-2.02%) Land $145,000 Building $263,280
2025$3,367.00 (+5.85%) Homeowner's exemption$206,156 (+5.99%)$416,680 (+13.89%) Land $145,000 Building $271,680
2024$3,181.00 (+7.14%)
2023$2,969.00 (+4.95%) Homeowner's exemption$194,511 (+3%)$365,863 (+19.69%) Land $145,000 Building $220,863
2022$2,829.00 Homeowner's exemption$188,846$305,684 Land $135,000 Building $170,684

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
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 59 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies59 in force
Nearby Flood Claims11 (1989–2024)
Claims Outside the SFHA4 of 11
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Ian, Sep 2022 · 2 claims
  • Hurricane Frances, Sep 2004 · 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 95% of the US · lower than 95% of Florida
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond ember reach

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 SystemORLANDO UTILITIES COMMISSION
serves 536,466 people · EPA ID FL3480962
Water SourceGroundwater
Last State InspectionAug 2024
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityTotal trihalomethanes
resolved · Jul 2019
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 187 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · Fixed Wireless		5,000 / 5,000
Xfinity
Cable		1,200 / 35
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

May also be available: Hotwire Communications.

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