Orange County property record for 9227 Palm Tree Dr, Windermere, FL 34786
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,819 sqft · built 1985 |
| Lot Size | 0.238 acres (10,373 sqft) |
| Owner | Individual Name on File |
| Last Sale | $520,000 (Sep 2023) |
| Tax Bill | $7,381 (2025) |
| Deeds & Mortgages | Sep 2023 Sale & Mortgage Jul 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-23-28-8065-00-740 |
| Primary APN | 16-23-28-8065-00-740 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,819 sqft Living Area |
| Gross Area | 2,328 sqft |
| 1st Floor Area | 1,819 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,373 sqft (0.238 acres) |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 25 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 9227 PALM TREE DR |
|---|---|
| City | WINDERMERE |
| State | FL |
| Zip | 34786-8809 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1AA |
| Legal Description | SILVER WOODS PHASE TWO 14/147 LOT 74 |
| Legal Range | 28E |
| Legal Township | 23S |
| Legal Section | 16 |
| Legal Subdivision | SILVER WOODS PH 2 |
| Legal Phase | 2 |
| Legal Tract | 8065 |
| Legal Lot Number | 74 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 2 |
| Census Block | 2028 |
| Census Tract | 14809 |
Source: Orange County records · APN 16-23-28-8065-00-740
Assessment roll updated April 30, 2026 · Last verified May 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 9227 PALM TREE DR, WINDERMERE, FL 34786-8809 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants in Common |
| Date | Document |
|---|---|
| Sep 18, 2023 | Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Jul 31, 2017 | Deed of Trust, Mortgage · Conventional Mortgage WATERSTONE MORTGAGE CORP |
| Dec 03, 2019 | Deed of Trust, Mortgage · Conventional Mortgage WATERSTONE MORTGAGE CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 18, 2023 · Amount on Record |
| Deed Sale | Sep 18, 2023 · Amount on Record |
| Prior Sale | Jan 07, 2015 · Amount on Record |
| Deed Document Number | 2023533091 |
| Last Transfer Date | Apr 10, 2025 |
| Transfer Doc | 0000224848 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Sep 18, 2023 |
| Property Address | 9227 PALM TREE DR, WINDERMERE, FL 34786-8809 |
| Document Number | 0000533091 |
| Map Reference | MB 14 PG 147 |
| Instrument Date | Sep 15, 2023 |
| Instrument | 20230533091 |
| Transaction Type | Transfer |
| Record Updated | Oct 02, 2023 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,640.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 262 CALLIOPE ST, OCOEE, FL 34761-4616 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 9227 PALM TREE DR, WINDERMERE, FL 34786-8809 |
| Document Number | 0000533092 |
|---|---|
| Date | Sep 18, 2023 |
| Instrument | 20230533092 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 9227 PALM TREE DR, WINDERMERE, FL 34786-8809 |
| Transaction Type | Mortgage |
| Record Updated | Jan 03, 2022 |
| Title Company | FLNT QERVKE TUE OI FIODD |
| Name | Verified Name |
|---|
| Document Number | 0000423460 |
|---|---|
| Date | Jul 31, 2017 |
| Instrument | 20170423460 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Lending Institution |
| Address | PEWAUKEE, WI 53072 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Aug 01, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 9227 PALM TREE DR, WINDERMERE, FL 34786-8809 |
| Transaction Type | Mortgage |
| Record Updated | Jan 03, 2022 |
| Title Company | FIRST SERVICE TITLE OF FL |
| Name | Verified Name |
|---|
| Document Number | 0000755819 |
|---|---|
| Date | Dec 03, 2019 |
| Instrument | 20190755819 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Lending Institution |
| Address | PEWAUKEE, WI 53072 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2049 |
Source: Orange County records · Assessment roll updated April 30, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Unified School District | Orange County School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $441,000 (-2.23%) Land $145,000 Building $296,000 | $441,000 (-2.23%) Land $145,000 Building $296,000 | |
| 2025 | $7,381.00 (-4.33%) | $451,080 (+74.18%) Land $145,000 Building $306,080 | $451,080 (+14.86%) Land $145,000 Building $306,080 |
| 2024 | $7,715.00 (+97.52%) | ||
| 2023 | $3,906.00 (+2.52%) Homeowner's exemption Widower's exemption | $258,978 (+3%) | $392,737 (+20.73%) Land $145,000 Building $247,737 |
| 2022 | $3,810.00 Homeowner's exemption Widower's exemption | $251,435 | $325,302 Land $135,000 Building $190,302 |
Source: FEMA National Flood Hazard Layer, Orange County (12095C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120950148092, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
|
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Hotwire Communications, Lumen Technologies, Xfinity.
Based on FCC filings for 126 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system FL3480962, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ORLANDO UTILITIES COMMISSION serves 536,466 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2024 |
| Lead | 2 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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