9235 Palm Tree Dr, Windermere, FL 34786 Property Records

Orange County property record for 9235 Palm Tree Dr, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,723 sqft · built 1985
Lot Size	0.238 acres (10,368 sqft)
Owner	Individual Name on Record
Last Sale	$480,000 (Dec 2022)
Tax Bill	$7,321 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Sep 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`16-23-28-8065-00-750`

Property Details

APN / Parcel Number

Primary APN	`16-23-28-8065-00-750`
Alternative APNs	`282316806500750` `283869` `288714` `292878`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,723 sqft Living Area
Gross Area	2,224 sqft
1st Floor Area	1,723 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 2000
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,368 sqft (0.238 acres)
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	18 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	9235 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 75
Legal Range	28E
Legal Township	23S
Legal Section	16
Legal Subdivision	SILVER WOODS PH 2
Legal Phase	2
Legal Tract	8065
Legal Lot Number	75
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 April 30, 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 Record
Mailing Address	9235 PALM TREE DR, WINDERMERE, FL 34786-8809
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2022	Warranty Deed, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC
Sep 26, 2018	Deed of Trust, Mortgage · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Jan 25, 2021	Warranty Deed, Transfer · FHA Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU
Dec 8, 2017	Warranty Deed, Transfer · FHA Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 7, 2022 · Amount on Record
Deed Sale	Dec 7, 2022 · Amount on Record
Prior Sale	Jan 25, 2021 · Amount on Record
Deed Document Number	2022735999
Prior Transfer Date	Aug 11, 1995
Prior Transfer Doc	4938004864
Record Updated	Jun 8, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Dec 7, 2022
Property Address	9235 PALM TREE DR, WINDERMERE, FL 34786-8809
Document Number	0000735999
Map Reference	MB 14 PG 147
Instrument Date	Dec 1, 2022
Instrument	20220735999
Transaction Type	Transfer
Record Updated	Dec 26, 2022
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,360.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11015 BELMERE ISLES CT, WINDERMERE, FL 34786-6049

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9235 PALM TREE DR, WINDERMERE, FL 34786-8809

Mortgage

Document Number	0000736000
Date	Dec 7, 2022
Instrument	20220736000

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	9235 PALM TREE DR, WINDERMERE, FL 34786-8809
Transaction Type	Mortgage
Record Updated	Jan 3, 2022
Title Company	TITLE SOURCE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000569243
Date	Sep 26, 2018
Instrument	20180569243

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Oct 1, 2047

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jan 25, 2021
Property Address	9235 PALM TREE DR, WINDERMERE, FL 34786-8809
Document Number	0000043816
Map Reference	MB 14 PG 147
Instrument Date	Jan 15, 2021
Instrument	20210043816
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	PROMINENCE T&E LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,303.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	500 WESTOVER DR, 500, SANFORD, NC 27330-8941

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9235 PALM TREE DR, WINDERMERE, FL 34786-8809

Mortgage

Document Number	0000043817
Date	Jan 25, 2021
Instrument	20210043817

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Dec 8, 2017
Property Address	9235 PALM TREE DR, WINDERMERE, FL 34786-8809
Document Number	0000670401
Map Reference	MB 14 PG 147
Instrument Date	Dec 7, 2017
Instrument	20170670401
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	PROMINENCE TITLE & ESCROW LL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,016.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9208 BAY HILL BLVD, 9208, ORLANDO, FL 32819-4864

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9235 PALM TREE DR, WINDERMERE, FL 34786-8809

Mortgage

Document Number	0000670402
Date	Dec 8, 2017
Instrument	20170670402

Lender

Name	AMERICAN NEIGHBORHOOD MTG ACCEPTANC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

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		$459,479 (+2.7%)	$487,970 (-1.17%) Land $145,000 Building $342,970
2025	$7,321.00 (+4.18%) Homeowner's exemption	$447,399 (+5.99%)	$493,770 (+16.97%) Land $145,000 Building $348,770
2024	$7,027.00 (+7.17%)
2023	$6,557.00 (+38.39%) Homeowner's exemption	$422,126 (+36.32%) Land $145,000 Building $277,126	$422,126 (+36.32%) Land $145,000 Building $277,126
2022	$4,738.00 Homeowner's exemption	$309,658 Land $135,000 Building $174,658	$309,658 Land $135,000 Building $174,658

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 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 126 locations within half a mile, as of December 31, 2025

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: CenturyLink, Hotwire Communications, Xfinity.

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