9650 Wild Oak Dr, Windermere, FL 34786 Property Records

Orange County property record for 9650 Wild Oak Dr, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,009 sqft · built 1986
Lot Size	0.398 acres (17,324 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,050,000 (Jun 2023)
Tax Bill	$14,824 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Jun 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-23-28-9332-00-150`

Property Details

APN / Parcel Number

Primary APN	`04-23-28-9332-00-150`
Alternative APNs	`282304933200150` `274224` `279066` `283222`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	3,009 sqft Living Area
Gross Area	3,663 sqft
1st Floor Area	3,009 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2018
Exterior Material	Stone
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	17,324 sqft (0.398 acres)
Garage Type	Attached
Garage Area	598 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	557 sqft
Patio Area	2 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	9650 WILD OAK DR
City	WINDERMERE
State	FL
Zip	34786-8331
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	WINDERMERE DOWNS 4/12 LOT 15
Legal Range	28E
Legal Township	23S
Legal Section	04
Legal Subdivision	WINDERMERE DOWNS
Legal Tract	9332
Legal Lot Number	15
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1005
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	9650 WILD OAK DR, WINDERMERE, FL 34786-8331
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2023	Special Warranty Deed, Transfer · Conventional Mortgage FIRST HORIZON BANK
Jun 1, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Nov 12, 2019	Warranty Deed, Transfer · Conventional Mortgage WEICHERT FINANCIAL SERVICES
Nov 30, 2018	Warranty Deed, Transfer TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2023 · Amount on Record
Deed Sale	Jun 1, 2023 · Amount on Record
Prior Sale	Jun 1, 2023 · Amount on Record
Deed Document Number	2023307481
Record Updated	Oct 29, 2026

June 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jun 1, 2023
Property Address	9650 WILD OAK DR, WINDERMERE, FL 34786-8331
Document Number	0000307481
Map Reference	MB 4 PG 12&13
Instrument Date	May 4, 2023
Instrument	20230307481
Transaction Type	Transfer
Record Updated	Jun 21, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,350.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1625 STATE ROUTE 10, MORRIS PLAINS, NJ 07950-2905

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9650 WILD OAK DR, WINDERMERE, FL 34786-8331

Mortgage

Document Number	0000307482
Date	Jun 1, 2023
Instrument	20230307482

Lender

Name	FIRST HORIZON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Jun 1, 2028
Change Frequency	6 Months
Min Rate At Change	3.87%
Max Rate At Change	7.87%
Index	Other
Max Rate	10.8%

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jun 1, 2023
Property Address	9650 WILD OAK DR, WINDERMERE, FL 34786-8331
Document Number	0000307480
Map Reference	MB 4 PG 12&13
Instrument Date	May 1, 2023
Instrument	20230307480
Transaction Type	Transfer
Record Updated	Jun 21, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$7,350.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	165 ROUTE 10 EAST, MORRIS PLAINS, NJ 07950
Investor	Possibly a Property Investor

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Nov 12, 2019
Property Address	9650 WILD OAK DR, WINDERMERE, FL 34786-8331
Document Number	0000709346
Map Reference	MB 4 PG 12
Instrument Date	Nov 8, 2019
Instrument	20190709346
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	MID FLORIDA TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,893.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9842 MOHRS COVE LN, 9842, WINDERMERE, FL 34786-8009

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9650 WILD OAK DR, WINDERMERE, FL 34786-8331

Mortgage

Document Number	0000709347
Date	Nov 12, 2019
Instrument	20190709347

Lender

Name	WEICHERT FINANCIAL SERVICES
Type	Mortgage Company

Agreement

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

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Nov 30, 2018
Property Address	9650 WILD OAK DR, WINDERMERE, FL 34786-8331
Document Number	0000693056
Instrument Date	Nov 27, 2018
Instrument	693056
Transaction Type	Transfer
Record Updated	Dec 21, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transaction

Amount	Amount Recorded
Tax	$2,653.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9842 MOHRS COVE LN WINDERMERE FL 347868009, WINDERMERE, FL 34786-8009

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		$909,700 (-1.2%) Land $210,000 Building $699,700	$909,700 (-1.2%) Land $210,000 Building $699,700
2025	$14,824.00 (+2%) Homeowner's exemption	$920,710 (+33.56%) Land $210,000 Building $710,710	$920,710 (+5.71%) Land $210,000 Building $710,710
2024	$14,533.00 (+38.05%)
2023	$10,527.00 (+3.14%) Homeowner's exemption	$689,372 (+3%)	$870,973 (+19.97%) Land $210,000 Building $660,973
2022	$10,207.00 Homeowner's exemption	$669,293	$725,996 Land $210,000 Building $515,996

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 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% 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	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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