9707 Chestnut Ridge Dr, Windermere, FL 34786 Property Records

Orange County property record for 9707 Chestnut Ridge Dr, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	5 bd · 6.5 ba · 6,138 sqft · built 2015
Lot Size	0.558 acres (24,287 sqft)
Owner	2 Company Names on File
Last Sale	$3,400,000 (Dec 2021)
Tax Bill	$64,549 (2025)
Deeds & Mortgages	Dec 2021 Sale Aug 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-23-28-3899-00-020`

Property Details

APN / Parcel Number

Primary APN	`16-23-28-3899-00-020`
Alternative APNs	`282316389900020` `283318` `288163` `292326`

Interior

Bedrooms	5 Beds
Full Baths	6.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	6,138 sqft Living Area
Gross Area	10,157 sqft
1st Floor Area	4,632 sqft
Basement Area	63 sqft
Utility Area	120 sqft
Flooring	Wood
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	24,287 sqft (0.558 acres)
Garage Type	Attached
Garage Area	1,468 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	1,424 sqft
Patio Area	581 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	9707 CHESTNUT RIDGE DR
City	WINDERMERE
State	FL
Zip	34786-8944
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	ISLEWORTH 16/118 LOT 2
Legal Range	28E
Legal Township	23S
Legal Section	16
Legal Subdivision	ISLEWORTH
Legal Tract	3899
Legal Lot Number	2
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2043
Census Tract	14809

Owner

9707 Chestnut Ridge Dr is owned by a company that bought it in December 2021 and is owner-occupied.

Source: Orange County records, as of April 30, 2026

Owner of Record	2 Company Names on File
Mailing Address	9707 CHESTNUT RIDGE DR, WINDERMERE, FL 34786-8944
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2021	Warranty Deed, Transfer ATTORNEY
Aug 19, 2019	Warranty Deed, Transfer · Conventional Mortgage CITIBANK NA
Jan 23, 2018	Loan Modification, Mortgage · Line of Credit IBERIABANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 13, 2021 · Amount on File
Deed Sale	Dec 13, 2021 · Amount on File
Prior Sale	Aug 19, 2019 · Amount on File
Deed Document Number	2021757912
Record Updated	Jun 8, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Dec 13, 2021
Property Address	9707 CHESTNUT RIDGE DR, WINDERMERE, FL 34786-8944
Document Number	0000757912
Map Reference	MB 16 PG 118-130
Instrument Date	Dec 10, 2021
Instrument	20210757912
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Tax	$23,800.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	662 OSCEOLA AVE APT 201, 662, WINTER PARK, FL 32789-4466

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9707 CHESTNUT RIDGE DR, WINDERMERE, FL 34786-8944

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Aug 19, 2019
Property Address	9707 CHESTNUT RIDGE DR, WINDERMERE, FL 34786-8944
Document Number	0000511918
Map Reference	MB 16 PG 118-130
Instrument Date	Aug 15, 2019
Instrument	20190511918
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$18,900.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4750 THE GROVE DR # DR220, 4750, WINDERMERE, FL 34786-8425

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9707 CHESTNUT RIDGE DR, WINDERMERE, FL 34786-8944

Mortgage

Document Number	0000511919
Date	Aug 19, 2019
Instrument	20190511919

Lender

Name	CITIBANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

January 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ORANGE FL
Property Address	9707 CHESTNUT RIDGE DR, WINDERMERE, FL 34786-8944
Document Number	0000065346
Instrument Date	Jan 23, 2018
Transaction Type	Mortgage
Record Updated	Feb 19, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9707 CHESTNUT RIDGE DR WINDERMERE FL 347868944, WINDERMERE, FL 34786-8944

Mortgage

Document Number	0000065346
Date	Feb 2, 2018
Instrument	65346

Lender

Name	IBERIABANK
Type	Federal Savings Bank
Address	918 S ORANGE AVE, ORLANDO, FL 32806-1213

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 9707 Chestnut Ridge Dr was $64,549, up 7.9% from the year before.

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		$3,866,410 (-1.22%) Land $725,000 Building $3,141,410	$3,866,410 (-1.22%) Land $725,000 Building $3,141,410
2025	$64,549.00 (+7.9%)	$3,914,100 Land $725,000 Building $3,189,100	$3,914,100 Land $725,000 Building $3,189,100
2024	$59,824.00 (+11.35%)
2023	$53,725.00 (+14.56%)	$3,599,675 (+21.97%) Land $725,000 Building $2,874,675	$3,599,675 (+21.97%) Land $725,000 Building $2,874,675
2022	$46,895.00	$2,951,178 Land $525,000 Building $2,426,178	$2,951,178 Land $525,000 Building $2,426,178

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 9707 Chestnut Ridge Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 9707 Chestnut Ridge Dr is low, with a 0.02% annual chance of 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	0.02% 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 86 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Hotwire Communications Fiber	1,200 / 1,200
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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