9676 Wild Oak Dr, Windermere, FL 34786 Property Records

Orange County property record for 9676 Wild Oak Dr, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,856 sqft · built 1977
Lot Size	0.5 acres (21,798 sqft)
Owner	2 Individual Names on File
Last Sale	$745,000 (Jul 2025)
Tax Bill	$7,871 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-23-28-9332-00-180`

Property Details

APN / Parcel Number

Primary APN	`04-23-28-9332-00-180`
Alternative APNs	`282304933200180` `274228` `279071` `283226`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,856 sqft Living Area
Gross Area	3,805 sqft
1st Floor Area	2,856 sqft
Flooring	Wood
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1987
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,798 sqft (0.5 acres)
Garage Type	Attached
Garage Area	475 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	474 sqft
Deck Area	38 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	9676 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 18
Legal Range	28E
Legal Township	23S
Legal Section	04
Legal Subdivision	WINDERMERE DOWNS
Legal Tract	9332
Legal Lot Number	18
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	9676 WILD OAK DR, WINDERMERE, FL 34786-8331
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2023	Deed of Trust, Mortgage · Line of Credit USF FCU
Dec 20, 2017	Warranty Deed, Transfer · ARM WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2025 · Amount on File
Deed Sale	Jul 30, 2025 · Amount on File
Prior Sale	Dec 20, 2017 · Amount on File
Deed Document Number	2025442770
Record Updated	Jun 8, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	9676 WILD OAK DR, WINDERMERE, FL 34786-8331
Transaction Type	Mortgage
Record Updated	Feb 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9676 WILD OAK DR, WINDERMERE, FL 34786-8331

Mortgage

Document Number	0000065964
Date	Feb 6, 2023
Instrument	20230065964

Lender

Name	USF FCU
Type	Credit Union
Address	TAMPA, FL 33646

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jan 6, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Dec 20, 2017
Property Address	9676 WILD OAK DR, WINDERMERE, FL 34786-8331
Document Number	0000691212
Map Reference	MB 4 PG 12&13
Instrument Date	Dec 8, 2017
Instrument	20170691212
Transaction Type	Transfer
Record Updated	Jan 3, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,290.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1716 PALMA PLZ, 1716, AUSTIN, TX 78703-3931

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9676 WILD OAK DR, WINDERMERE, FL 34786-8331

Mortgage

Document Number	0000691213
Date	Dec 20, 2017
Instrument	20170691213

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Jan 1, 2025
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	6.5%
Index	1-Year LIBOR
Max Rate	10.5%

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		$739,780 (+49.01%) Land $210,000 Building $529,780	$739,780 (-2.27%) Land $210,000 Building $529,780
2025	$7,871.00 (+4.18%) Homeowner's exemption	$496,455 (+5.99%)	$756,960 (+16.34%) Land $210,000 Building $546,960
2024	$7,555.00 (+7.24%)
2023	$7,045.00 (+3.34%) Homeowner's exemption	$468,412 (+3%)	$650,624 (+18.16%) Land $210,000 Building $440,624
2022	$6,817.00 Homeowner's exemption	$454,769	$550,629 Land $210,000 Building $340,629

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 File 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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