9109 Palm Tree Dr, Windermere, FL 34786 Property Records

Orange County property record for 9109 Palm Tree Dr, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,492 sqft · built 1985
Lot Size	0.242 acres (10,530 sqft)
Owner	2 Individual Names on Record
Last Sale	$150,000 (Mar 2022)
Tax Bill	$6,225 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Mar 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-23-28-8065-00-590`

Property Details

APN / Parcel Number

Primary APN	`16-23-28-8065-00-590`
Alternative APNs	`282316806500590` `283850` `288694` `292857`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,492 sqft Living Area
Gross Area	2,007 sqft
1st Floor Area	1,492 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1986
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,530 sqft (0.242 acres)
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	32 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	9109 PALM TREE DR
City	WINDERMERE
State	FL
Zip	34786-8808
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1AA
Legal Description	SILVER WOODS PHASE TWO 14/147 LOT 59
Legal Range	28E
Legal Township	23S
Legal Section	16
Legal Subdivision	SILVER WOODS PH 2
Legal Phase	2
Legal Tract	8065
Legal Lot Number	59
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2028
Census Tract	14809

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	9109 PALM TREE DR, WINDERMERE, FL 34786-8808
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2023	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Mar 9, 2022	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Jan 13, 2020	Warranty Deed, Transfer · Conventional Mortgage OTHER INSTITUTIONAL LENDERS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 9, 2022 · Amount on Record
Deed Sale	Mar 9, 2022 · Amount on Record
Prior Sale	Jan 13, 2020 · Amount on Record
Deed Document Number	2022156758
Record Updated	Jun 8, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	9109 PALM TREE DR, WINDERMERE, FL 34786-8808
Transaction Type	Mortgage
Record Updated	Apr 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9109 PALM TREE DR, WINDERMERE, FL 34786-8808

Mortgage

Document Number	0000185832
Date	Apr 4, 2023
Instrument	20230185832

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	9109 PALM TREE DR, WINDERMERE, FL 34786-8808
Transaction Type	Mortgage
Record Updated	Mar 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9109 PALM TREE DR, WINDERMERE, FL 34786-8808

Mortgage

Document Number	0000156760
Date	Mar 9, 2022
Instrument	20220156760

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jan 13, 2020
Property Address	9109 PALM TREE DR, WINDERMERE, FL 34786-8808
Document Number	0000021729
Instrument Date	Jan 10, 2020
Instrument	21729
Transaction Type	Transfer
Record Updated	Feb 7, 2020
Title Company	VENTURE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,408.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	9109 PALM TREE DR WINDERMERE FL 347868808, WINDERMERE, FL 34786-8808

Mortgage

Document Number	21730
Date	Jan 13, 2020
Instrument	21730

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Bank
Address	FORT LAUDERDALE, FL 33334

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	24 Months
Due	Jan 12, 2022

Interest

Rate	11.5%

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		$390,805 (+2.7%)	$403,340 (-2.13%) Land $145,000 Building $258,340
2025	$6,225.00 (+4.43%) Homeowner's exemption	$380,531 (+5.99%)	$412,130 (+14.79%) Land $145,000 Building $267,130
2024	$5,961.00 (+7.17%)
2023	$5,562.00 (+8.97%) Homeowner's exemption	$359,036 (+19.18%) Land $145,000 Building $214,036	$359,036 (+19.18%) Land $145,000 Building $214,036
2022	$5,104.00 Homeowner's exemption	$301,259 Land $135,000 Building $166,259	$301,259 Land $135,000 Building $166,259

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 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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