9649 Wild Oak Dr, Windermere, FL 34786 Property Records

Orange County property record for 9649 Wild Oak Dr, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,811 sqft · built 1978
Lot Size	0.536 acres (23,355 sqft)
Owner	2 Individual Names on Record
Last Sale	$660,000 (Sep 2019)
Tax Bill	$9,583 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Sep 2019 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`04-23-28-9332-00-130`

Property Details

APN / Parcel Number

Primary APN	`04-23-28-9332-00-130`
Alternative APNs	`282304933200130` `274222` `279064` `283220`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,811 sqft Living Area
Gross Area	3,653 sqft
1st Floor Area	2,260 sqft
Flooring	Carpet
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 2010
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	23,355 sqft (0.536 acres)
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces
Porch	Stoop
Porch Area	127 sqft
Patio Area	66 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	9649 WILD OAK DR
City	WINDERMERE
State	FL
Zip	34786-8332
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	WINDERMERE DOWNS 4/12 LOT 13
Legal Range	28E
Legal Township	23S
Legal Section	04
Legal Subdivision	WINDERMERE DOWNS
Legal Tract	9332
Legal Lot Number	13
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1000
Census Tract	14814

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 Individual Names on Record
Mailing Address	9649 WILD OAK DR, WINDERMERE, FL 34786-8332
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 14, 2019	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 6, 2018	Deed of Trust, Mortgage · Conventional Mortgage TAMPA BAY FCU
Oct 2, 2017	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS
Dec 21, 2016	Deed of Trust, Mortgage FIDELITY BK/FL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2019 · Amount on Record
Deed Sale	Sep 14, 2019 · Amount on Record
Prior Sale	Oct 2, 2017 · Amount on Record
Deed Document Number	2019572029
Prior Transfer Date	Oct 20, 1993
Prior Transfer Doc	4641003898
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	9649 WILD OAK DR, WINDERMERE, FL 34786-8332
Transaction Type	Mortgage
Record Updated	Dec 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9649 WILD OAK DR, WINDERMERE, FL 34786-8332

Mortgage

Document Number	20210712766
Date	Nov 19, 2021
Instrument	20210712766

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Sep 14, 2019
Property Address	9649 WILD OAK DR, WINDERMERE, FL 34786-8332
Document Number	0000572029
Map Reference	MB 4 PG 12&13
Instrument Date	Sep 13, 2019
Instrument	20190572029
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,620.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	100 S VIRGINIA AVE UNIT 402, 100, WINTER PARK, FL 32789-4344

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9646 WILD OAK DR, WINDERMERE, FL 34786-8331

Mortgage

Document Number	0000572030
Date	Sep 14, 2019
Instrument	20190572030

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	9649 WILD OAK DR, WINDERMERE, FL 34786-8332
Document Number	0000382238
Instrument Date	Jun 6, 2018
Transaction Type	Mortgage
Record Updated	Jul 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9649 WILD OAK DR WINDERMERE FL 347868332, WINDERMERE, FL 34786-8332

Mortgage

Document Number	0000382238
Date	Jun 27, 2018
Instrument	382238

Lender

Name	TAMPA BAY FCU
Type	Credit Union
Address	TAMPA, FL 33603

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 26, 2033

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Oct 2, 2017
Property Address	9649 WILD OAK DR, WINDERMERE, FL 34786-8332
Document Number	0000537620
Instrument Date	Sep 18, 2017
Instrument	537620
Transaction Type	Transfer
Record Updated	Oct 17, 2017
Title Company	EQUITABLE TITLE/DR PHILLIPS LL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,598.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9649 WILD OAK DR WINDERMERE FL 347868332, WINDERMERE, FL 34786-8332

Mortgage

Document Number	537621
Date	Oct 2, 2017
Instrument	537621

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2047

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	9649 WILD OAK DR, WINDERMERE, FL 34786-8332
Document Number	0000012359
Instrument Date	Dec 21, 2016
Transaction Type	Mortgage
Record Updated	Feb 2, 2017
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5221 E COLONIAL DR ORLANDO FL 328071814, ORLANDO, FL 32807-1814

Mortgage

Document Number	0000012359
Date	Jan 9, 2017
Instrument	12359

Lender

Name	FIDELITY BK/FL
Type	Bank
Address	1380 N COURTENAY PKWY, MERRITT ISLAND, FL 32953-4465

Agreement

Amount	Amount Recorded

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		$617,137 (+2.7%)	$854,640 (-1.19%) Land $210,000 Building $644,640
2025	$9,583.00 (+3.93%) Homeowner's exemption	$600,912 (+5.99%)	$864,970 (+17.5%) Land $210,000 Building $654,970
2024	$9,221.00 (+7.25%)
2023	$8,598.00 (+3.23%) Homeowner's exemption	$566,968 (+3%)	$736,143 (+19.68%) Land $210,000 Building $526,143
2022	$8,329.00 Homeowner's exemption	$550,454	$615,068 Land $210,000 Building $405,068

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 37 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	37 in force
Nearby Flood Claims	2 (2022–2024)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 2024 · Hurricane Milton

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 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.03% 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	OCUD/SOUTHERN WATER SYS (5 WPS) serves 80,738 people · EPA ID FL3484119
Water Source	Groundwater
Last State Inspection	May 2024
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 156 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Xfinity.

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