Orange County property record for 9450 Palm Tree Dr, Windermere, FL 34786
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,063 sqft · built 1986 |
| Lot Size | 0.29 acres (12,618 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,484 (2025) |
| Deeds & Mortgages | Jul 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-23-28-8070-01-540 |
| Primary APN | 16-23-28-8070-01-540 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,063 sqft Living Area |
| Gross Area | 2,690 sqft |
| 1st Floor Area | 2,063 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,618 sqft (0.29 acres) |
| Garage Type | Attached |
| Garage Area | 575 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 52 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 9450 PALM TREE DR |
|---|---|
| City | WINDERMERE |
| State | FL |
| Zip | 34786-8811 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | P-D |
| Legal Description | SILVER WOODS PHASE THREE 15/144 LOT 154 |
| 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 | 154 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 14809 |
Source: Orange County records, as of May 4, 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 | 9450 PALM TREE DR, WINDERMERE, FL 34786-8811 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 30, 1993 |
| Deed Sale | Jul 30, 1993 |
| Deed Book / Page | 4597 / 3205 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 9450 PALM TREE DR, WINDERMERE, FL 34786-8811 |
| Document Number | 0000406442 |
| Instrument Date | Jul 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 9450 PALM TREE DR WINDERMERE FL 347868811, WINDERMERE, FL 34786-8811 |
| Document Number | 0000406442 |
|---|---|
| Date | Jul 31, 2020 |
| Instrument | 406442 |
| Name | BETTER MTG CORP ISAOA |
|---|---|
| Address | NEW YORK, NY 10271 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 30, 2035 |
Source: Orange County assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Unified School District | Orange County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $219,066 (+2.7%) | $497,830 (-2.4%) Land $145,000 Building $352,830 | |
| 2025 | $3,484.00 (+5.74%) Homeowner's exemption | $213,307 (+5.99%) | $510,090 (+15.4%) Land $145,000 Building $365,090 |
| 2024 | $3,295.00 (+7.15%) | ||
| 2023 | $3,075.00 (+4.84%) Homeowner's exemption | $201,257 (+3%) | $442,037 (+20.24%) Land $145,000 Building $297,037 |
| 2022 | $2,933.00 Homeowner's exemption | $195,395 | $367,625 Land $135,000 Building $232,625 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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: 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.
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 |
| 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.
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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