9190 Sabal Palm Cir, Windermere, FL 34786 Property Records

Orange County property record for 9190 Sabal Palm Cir, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,492 sqft · built 1985
Lot Size	0.238 acres (10,362 sqft)
Owner	Individual Name on File
Last Sale	$135,000 (Feb 2020)
Tax Bill	$4,761 (2025)
Deeds & Mortgages	Sep 2019 Mortgage Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`16-23-28-8059-00-210`

Property Details

APN / Parcel Number

Primary APN	`16-23-28-8059-00-210`
Alternative APNs	`282316805900210` `283804` `288646` `292811`

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	10,362 sqft (0.238 acres)
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	32 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	9190 SABAL PALM CIR
City	WINDERMERE
State	FL
Zip	34786-8815
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1AA
Legal Description	SILVER WOODS PHASE ONE 14/82 LOT 21
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	21
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2037
Census Tract	14809

Owner

9190 Sabal Palm Cir is owned and occupied by an individual who bought it in February 2020.

Source: Orange County records, as of April 30, 2026

Owner of Record	Individual Name on File
Mailing Address	9190 SABAL PALM CIR, WINDERMERE, FL 34786-8815
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage TRUSTCO BANK
Feb 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRUSTCO BANK
Feb 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRUSTCO BANK
Feb 13, 2020	Warranty Deed, Transfer TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 13, 2020 · Amount on File
Deed Sale	Feb 13, 2020 · Amount on File
Prior Sale	Apr 10, 2015 · Amount on File
Deed Document Number	202091410
Prior Transfer Date	Sep 16, 2014
Prior Transfer Doc	0000472447
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	9190 SABAL PALM CIR, WINDERMERE, FL 34786-8815
Transaction Type	Mortgage
Record Updated	Jan 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000573380
Date	Sep 16, 2019
Instrument	20190573380

Lender

Name	TRUSTCO BANK
Type	Bank
Address	LONGWOOD, FL 32750

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Aug 30, 2049

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	9190 SABAL PALM CIR, WINDERMERE, FL 34786-8815
Transaction Type	Mortgage
Record Updated	Jan 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000116926
Date	Feb 26, 2021
Instrument	20210116926

Lender

Name	TRUSTCO BANK
Type	Bank
Address	LONGWOOD, FL 32750

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 20, 2036

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	9190 SABAL PALM CIR, WINDERMERE, FL 34786-8815
Transaction Type	Mortgage
Record Updated	Mar 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210116926
Date	Feb 26, 2021
Instrument	20210116926

Lender

Name	TRUSTCO BANK
Type	Bank
Address	LONGWOOD, FL 32750

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 20, 2036

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Feb 13, 2020
Property Address	9190 SABAL PALM CIR, WINDERMERE, FL 34786-8815
Document Number	0000091410
Instrument Date	Feb 4, 2020
Instrument	91410
Transaction Type	Transfer
Record Updated	Mar 11, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transaction

Amount	Amount on Record
Tax	$945.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9190 SABAL PALM CIR WINDERMERE FL 347868815, WINDERMERE, FL 34786-8815

Tax Assessment & Valuation

The 2025 property tax bill for 9190 Sabal Palm Cir was $4,761, up 4.9% from the year before.

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		$299,053 (+2.7%)	$397,950 (-2.12%) Land $145,000 Building $252,950
2025	$4,761.00 (+4.94%) Homeowner's exemption	$291,191	$406,560 Land $145,000 Building $261,560
2024	$4,537.00 (+7.16%)
2023	$4,234.00 (+4.29%) Homeowner's exemption	$274,742 (+3%)	$356,101 (+19.2%) Land $145,000 Building $211,101
2022	$4,060.00 Homeowner's exemption	$266,740	$298,748 Land $135,000 Building $163,748

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 9190 Sabal Palm Cir in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1989.

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 File 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

Wildfire risk around 9190 Sabal Palm Cir is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.7% 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	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 170 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 35

May also be available: Hotwire Communications, Xfinity.

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