9117 Royal Gate Dr, Windermere, FL 34786 Property Records

Orange County property record for 9117 Royal Gate Dr, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,236 sqft · built 1998
Lot Size	0.228 acres (9,941 sqft)
Owner	2 Individual Names on Record
Last Sale	$434,900 (Jun 2003)
Tax Bill	$7,922 (2025)
Deeds & Mortgages	Jan 2023 Transfer Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-23-28-8239-00-270`

Property Details

APN / Parcel Number

Primary APN	`04-23-28-8239-00-270`
Alternative APNs	`282304823900270` `274138` `278981` `283136`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,236 sqft Living Area
Gross Area	4,429 sqft
1st Floor Area	2,827 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,941 sqft (0.228 acres)
Garage Type	Attached
Garage Area	670 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	451 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	9117 ROYAL GATE DR
City	WINDERMERE
State	FL
Zip	34786-6218
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-L-D
Legal Description	WESTOVER RESERVE PHASE ONE 37/9 LOT 27
Legal Range	28E
Legal Township	23S
Legal Section	04
Legal Subdivision	WESTOVER RESERVE PH 1
Legal Phase	1
Legal Tract	8239
Legal Lot Number	27
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1013
Census Tract	14815

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	9117 ROYAL GATE DR, WINDERMERE, FL 34786-6218
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2023	Intrafamily Transfer, Transfer ATTORNEY
Nov 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIDELITY FUNDING MORTGAGE CORP
Oct 10, 2019	Deed of Trust, Mortgage · Line of Credit SEASIDE NAT'L BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 2003 · Amount on Record
Deed Sale	Jun 16, 2003 · Amount on Record
Prior Sale	Apr 10, 2002 · Amount on Record
Deed Document Number	2003332234
Deed Book / Page	6956 / 2551
Last Transfer Date	Jan 13, 2023
Transfer Doc	0000029314
Record Updated	Jun 8, 2026

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE FL
Recording Date	Jan 18, 2023
Property Address	9117 ROYAL GATE DR, WINDERMERE, FL 34786-6218
Document Number	0000029314
Map Reference	MB 37 PG 9-11
Instrument Date	Jan 13, 2023
Instrument	20230029314
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

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	9117 ROYAL GATE DR, WINDERMERE, FL 34786-6218

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	9117 ROYAL GATE DR, WINDERMERE, FL 34786-6218
Transaction Type	Mortgage
Record Updated	Dec 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9117 ROYAL GATE DR, WINDERMERE, FL 34786-6218

Mortgage

Document Number	0000725711
Date	Nov 29, 2021
Instrument	20210725711

Lender

Name	FIDELITY FUNDING MORTGAGE CORP
Type	Subprime Lender
Address	MAITLAND, FL 32751

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	9117 ROYAL GATE DR, WINDERMERE, FL 34786-6218
Document Number	0000652128
Instrument Date	Oct 10, 2019
Transaction Type	Mortgage
Record Updated	Nov 1, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9117 ROYAL GATE DR WINDERMERE FL 347866218, WINDERMERE, FL 34786-6218

Mortgage

Document Number	0000652128
Date	Oct 17, 2019
Instrument	652128

Lender

Name	SEASIDE NAT'L BK&TR
Type	Funding / Finance Company
Address	ORLANDO, FL 32801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Oct 16, 2029

Interest

Rate Type	Adjustable Rate

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		$496,787 (+2.7%)	$772,720 (-1.4%) Land $175,000 Building $597,720
2025	$7,922.00 (+4.17%) Homeowner's exemption	$483,726 (+5.99%)	$783,720 (+9.72%) Land $175,000 Building $608,720
2024	$7,605.00 (+7.13%)
2023	$7,099.00 (+3.35%) Homeowner's exemption	$456,401 (+3%)	$714,266 (+25.92%) Land $175,000 Building $539,266
2022	$6,869.00 Homeowner's exemption	$443,108	$567,250 Land $150,000 Building $417,250

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 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 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 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	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 142 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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