9321 Palm Tree Dr, Windermere, FL 34786 Property Records

Orange County property record for 9321 Palm Tree Dr, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,727 sqft · built 1985
Lot Size	0.227 acres (9,880 sqft)
Owner	2 Company Names on Record
Last Sale	$415,000 (Mar 2022)
Tax Bill	$7,780 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Mar 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`16-23-28-8070-01-380`

Property Details

APN / Parcel Number

Primary APN	`16-23-28-8070-01-380`
Alternative APNs	`282316807001380` `283947` `288792` `292955`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,727 sqft Living Area
Gross Area	2,228 sqft
1st Floor Area	1,727 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1990
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,880 sqft (0.227 acres)
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	18 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	9321 PALM TREE DR
City	WINDERMERE
State	FL
Zip	34786-8812
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	SILVER WOODS PHASE THREE 15/144 LOT 138
Legal Range	28E
Legal Township	23S
Legal Section	16
Legal Subdivision	SILVER WOODS PH 3
Legal Phase	3
Legal Tract	8070
Legal Block	1
Legal Lot Number	138
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	2 Company Names on Record
Mailing Address	1030 GARFIELD AVE, VENICE, CA 90291-4935
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2022	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA
Mar 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage NOVUS HOME MORTGAGE
Mar 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage NOVUS HOME MORTGAGE
Jan 3, 2020	Deed of Trust, Mortgage · Line of Credit IBERIABANK
Dec 5, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 23, 2022 · Amount on Record
Deed Sale	Mar 23, 2022 · Amount on Record
Prior Sale	Apr 12, 2001 · Amount on Record
Deed Document Number	2022188622
Prior Transfer Date	Feb 6, 2021
Prior Transfer Doc	0000097448
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	9321 PALM TREE DR, WINDERMERE, FL 34786-8812
Transaction Type	Mortgage
Record Updated	Apr 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1030 GARFIELD AVE, VENICE, CA 90291-4935

Mortgage

Document Number	0000188623
Date	Mar 23, 2022
Instrument	20220188623

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	9321 PALM TREE DR, WINDERMERE, FL 34786-8812
Transaction Type	Mortgage
Record Updated	Jan 3, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9321 PALM TREE DR, WINDERMERE, FL 34786-8812

Mortgage

Document Number	0000163712
Date	Mar 23, 2021
Instrument	20210163712

Lender

Name	NOVUS HOME MORTGAGE
Type	Mortgage Company
Address	WAUKESHA, WI 53186

Agreement

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

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	9321 PALM TREE DR, WINDERMERE, FL 34786-8812
Transaction Type	Mortgage
Record Updated	Apr 8, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9321 PALM TREE DR, WINDERMERE, FL 34786-8812

Mortgage

Document Number	20210163712
Date	Mar 23, 2021
Instrument	20210163712

Lender

Name	NOVUS HOME MORTGAGE
Type	Mortgage Company
Address	WAUKESHA, WI 53186

Agreement

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

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	9321 PALM TREE DR, WINDERMERE, FL 34786-8812
Document Number	0000059703
Instrument Date	Jan 3, 2020
Transaction Type	Mortgage
Record Updated	Feb 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9321 PALM TREE DR WINDERMERE FL 347868812, WINDERMERE, FL 34786-8812

Mortgage

Document Number	0000059703
Date	Jan 29, 2020
Instrument	59703

Lender

Name	IBERIABANK
Type	Bank
Address	ORLANDO, FL 32803

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 28, 2050

Interest

Rate Type	Adjustable Rate

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE FL
Recording Date	Dec 5, 2019
Property Address	9321 PALM TREE DR, WINDERMERE, FL 34786-8812
Document Number	0000763336
Instrument Date	Dec 3, 2019
Instrument	763336
Transaction Type	Transfer
Record Updated	Dec 27, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9321 PALM TREE DR WINDERMERE FL 347868812, WINDERMERE, FL 34786-8812

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		$425,340 (-2.18%) Land $145,000 Building $280,340	$425,340 (-2.18%) Land $145,000 Building $280,340
2025	$7,780.00 (+5.14%)	$434,840 (+15.31%) Land $145,000 Building $289,840	$434,840 (+15.31%) Land $145,000 Building $289,840
2024	$7,400.00 (+14.3%)
2023	$6,474.00 (+62.38%)	$377,102 (+43.85%) Land $145,000 Building $232,102	$377,102 (+19.84%) Land $145,000 Building $232,102
2022	$3,987.00 Homeowner's exemption	$262,142	$314,669 Land $135,000 Building $179,669

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 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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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