9100 Palm Tree Dr, Windermere, FL 34786 Property Records

Orange County property record for 9100 Palm Tree Dr, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,723 sqft · built 1986
Lot Size	0.27 acres (11,780 sqft)
Owner	2 Individual Names on Record
Last Sale	$540,000 (Apr 2023)
Tax Bill	$7,415 (2025)
Deeds & Mortgages	May 2023 Line of Credit Nov 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-23-28-8059-00-490`

Property Details

APN / Parcel Number

Primary APN	`16-23-28-8059-00-490`
Alternative APNs	`282316805900490` `283838` `288681` `292846`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,723 sqft Living Area
Gross Area	2,224 sqft
1st Floor Area	1,723 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1990
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,780 sqft (0.27 acres)
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	18 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	9100 PALM TREE DR
City	WINDERMERE
State	FL
Zip	34786-8806
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1AA
Legal Description	SILVER WOODS PHASE ONE 14/82 LOT 49
Legal Range	28E
Legal Township	23S
Legal Section	16
Legal Subdivision	SILVER WOODS PH 1
Legal Phase	1
Legal Tract	8059
Legal Block	P
Legal Lot Number	49
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2032
Census Tract	14809

Owner

Source: Orange County records, as of April 30, 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	9100 PALM TREE DR, WINDERMERE, FL 34786-8806
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 30, 2023	Deed of Trust, Mortgage · Line of Credit JEANNE JOANNE MILLER
Nov 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 4, 2023 · Amount on Record
Deed Sale	Apr 4, 2023 · Amount on Record
Prior Sale	Jul 14, 1999 · Amount on Record
Deed Document Number	2023185151
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	9100 PALM TREE DR, WINDERMERE, FL 34786-8806
Transaction Type	Mortgage
Record Updated	Jun 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9100 PALM TREE DR, WINDERMERE, FL 34786-8806
Investor	Possibly a Property Investor

Mortgage

Document Number	0000300264
Date	May 30, 2023
Instrument	20230300264

Lender

Name	JEANNE JOANNE MILLER
Type	Private Party
Address	3646 GLEN OAKS DR E, SARASOTA, FL 34232

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	358 Months
Due	Mar 30, 2053

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	9100 PALM TREE DR, WINDERMERE, FL 34786-8806
Transaction Type	Mortgage
Record Updated	Jan 3, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000687012
Date	Nov 9, 2021
Instrument	20210687012

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

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		$444,110 (-1.99%) Land $145,000 Building $299,110	$444,110 (-2.24%) Land $145,000 Building $299,110
2025	$7,415.00 (+4.16%) Homeowner's exemption	$453,145 (+126.73%)	$454,300 (+14.78%) Land $145,000 Building $309,300
2024	$7,119.00 (+133.18%)
2023	$3,053.00 (+4.88%) Homeowner's exemption	$199,857 (+3%)	$395,804 (+19.32%) Land $145,000 Building $250,804
2022	$2,911.00 Homeowner's exemption	$194,036	$331,712 Land $135,000 Building $196,712

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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 59 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	59 in force
Nearby Flood Claims	11 (1989–2024)
Claims Outside the SFHA	4 of 11
Most Recent Claim	Oct 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 Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None 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 System	ORLANDO UTILITIES COMMISSION serves 536,466 people · EPA ID FL3480962
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

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

Provider	Max 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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