9724 Chestnut Ridge Dr, Windermere, FL 34786 Property Records

Orange County property record for 9724 Chestnut Ridge Dr, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	5 bd · 5.5 ba · 5,144 sqft · built 1990
Lot Size	1.86 acres (81,210 sqft)
Owner	2 Individual Names on Record
Last Sale	$4,330,000 (Jul 2025)
Tax Bill	$39,513 (2025)
Deeds & Mortgages	Feb 2026 Mortgage
Flood Zone	Zone AE (high risk)
APN	`16-23-28-3899-00-150`

Property Details

APN / Parcel Number

Primary APN	`16-23-28-3899-00-150`
Alternative APNs	`282316389900150` `283334` `288177` `292341`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	5,144 sqft Living Area
Gross Area	8,162 sqft
1st Floor Area	3,680 sqft
Flooring	Wood
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1995
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	81,210 sqft (1.86 acres)
Garage Type	Attached
Garage Area	1,950 sqft
Parking Spaces	7 Parking Spaces
Porch	Florida Room
Porch Area	810 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	9724 CHESTNUT RIDGE DR
City	WINDERMERE
State	FL
Zip	34786-8943
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	ISLEWORTH 16/118 LOT 15
Legal Range	28E
Legal Township	23S
Legal Section	16
Legal Subdivision	ISLEWORTH
Legal Tract	3899
Legal Lot Number	15
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2045
Census Tract	14809

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	4812 LEWIS GARDEN CT, WINDERMERE, FL 34786-8842
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2025 · Amount on Record
Deed Sale	Jul 28, 2025 · Amount on Record
Prior Sale	Oct 26, 2009 · Amount on Record
Deed Document Number	2025434513
Prior Transfer Date	Aug 28, 2009
Prior Transfer Doc	0000631489
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	9724 CHESTNUT RIDGE DR, WINDERMERE, FL 34786-8943
Transaction Type	Mortgage
Record Updated	Feb 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9724 CHESTNUT RIDGE DR, WINDERMERE, FL 34786-8943

Mortgage

Document Number	0000074077
Date	Feb 6, 2026
Instrument	20260074077

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	HOUSTON, TX 77046

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Feb 6, 2029

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		$4,280,490 (+76.36%) Land $1,900,000 Building $2,380,490	$4,280,490 (-0.99%) Land $1,900,000 Building $2,380,490
2025	$39,513.00 (+3.08%) Homeowner's exemption	$2,427,091 (+5.99%)	$4,323,490 (+4.89%) Land $1,900,000 Building $2,423,490
2024	$38,334.00 (+7.21%)
2023	$35,755.00 (+2.85%) Homeowner's exemption	$2,289,989 (+3%)	$4,121,982 (+12.15%) Land $1,900,000 Building $2,221,982
2022	$34,764.00 Homeowner's exemption	$2,223,290	$3,675,272 Land $1,800,000 Building $1,875,272

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	100.6 ft
Flood Insurance Requirement	Required federally backed loans
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	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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% 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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