9137 Royal Gate Dr, Windermere, FL 34786 Property Records

Orange County property record for 9137 Royal Gate Dr, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,161 sqft · built 2000
Lot Size	0.238 acres (10,348 sqft)
Owner	2 Individual Names on Record
Last Sale	$810,000 (Dec 2021)
Tax Bill	$6,272 (2025)
Deeds & Mortgages	Aug 2026 Sale Mar 2018 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-23-28-8626-00-500`

Property Details

APN / Parcel Number

Primary APN	`04-23-28-8626-00-500`
Alternative APNs	`282304862600500` `274169` `279010` `283167`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,161 sqft Living Area
Gross Area	4,236 sqft
1st Floor Area	2,875 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2012
Exterior Material	Concrete Block/Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,348 sqft (0.238 acres)
Garage Type	Attached
Garage Area	625 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	400 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	9137 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 TWO 39/3 LOT 50
Legal Range	28E
Legal Township	23S
Legal Section	04
Legal Subdivision	WESTOVER RESERVE PH 2
Legal Phase	2
Legal Tract	8626
Legal Lot Number	50
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 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	9137 ROYAL GATE DR, WINDERMERE, FL 34786-6218
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2026	Warranty Deed, Transfer SIMPLE TITLE, SIMPLIFILE
Mar 20, 2018	Deed of Trust, Mortgage · Line of Credit BANK AMERICA FSB
Dec 6, 2021	Warranty Deed, Transfer HOMETOWN TITLE GROUP INC
Jul 19, 2017	Deed of Trust, Mortgage · Conventional Mortgage F&B ACQUISITION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2021 · Amount on Record
Deed Sale	Dec 6, 2021 · Amount on Record
Prior Sale	Feb 6, 2008 · Amount on Record
Deed Document Number	2021743155
Prior Transfer Date	Jul 3, 2003
Prior Transfer Doc	0000553918
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Aug 24, 2026
Property Address	9137 ROYAL GATE DR, WINDERMERE, FL 34786-6218
Document Number	0000470134
Instrument Date	Aug 18, 2026
Instrument	2026470134
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	SIMPLE TITLE, SIMPLIFILE

Transaction

Amount	Amount Recorded
Tax	$70.70
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	9137 ROYAL GATE DR, WINDERMERE, FL 34786-6218

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	9137 ROYAL GATE DR, WINDERMERE, FL 34786-6218
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000157751
Date	Mar 20, 2018
Instrument	20180157751

Lender

Name	BANK AMERICA FSB
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 9, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Dec 6, 2021
Property Address	9137 ROYAL GATE DR, WINDERMERE, FL 34786-6218
Document Number	0000743155
Map Reference	MB 39 PG 3
Instrument Date	Dec 3, 2021
Instrument	20210743155
Transaction Type	Transfer
Record Updated	Dec 22, 2021
Title Company	HOMETOWN TITLE GROUP INC

Transaction

Amount	Amount Recorded
Tax	$5,670.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 695011, ORLANDO, FL 32869-5011

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9137 ROYAL GATE DR, WINDERMERE, FL 34786-6218

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	9137 ROYAL GATE DR, WINDERMERE, FL 34786-6218
Document Number	0000412884
Instrument Date	Jul 19, 2017
Transaction Type	Mortgage
Record Updated	Aug 8, 2017
Title Company	HOMETOWN TITLE GROUP INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9137 ROYAL GATE DR WINDERMERE FL 347866218, WINDERMERE, FL 34786-6218

Mortgage

Document Number	0000412884
Date	Jul 25, 2017
Instrument	412884

Lender

Name	F&B ACQUISITION
Address	SAINT LOUIS, MO 63131

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 24, 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		$397,060 (+2.7%)	$888,890 (-1.29%) Land $175,000 Building $713,890
2025	$6,272.00 (+4.53%) Homeowner's exemption	$386,621 (+5.99%)	$900,530 (+10.17%) Land $175,000 Building $725,530
2024	$6,000.00 (+7.14%)
2023	$5,600.00 (+3.51%) Homeowner's exemption	$364,782 (+3%)	$817,433 (+26.9%) Land $175,000 Building $642,433
2022	$5,410.00 Homeowner's exemption	$354,157	$644,170 Land $150,000 Building $494,170

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 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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