9736 Chestnut Ridge Dr, Windermere, FL 34786 Property Records

Orange County property record for 9736 Chestnut Ridge Dr, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	5 bd · 5.5 ba · 5,724 sqft · built 2025
Lot Size	2.16 acres (94,261 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,200,000 (Aug 2023)
Tax Bill	$31,539 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Oct 2023 Construction Loan + 2 more
Flood Zone	Zone AE (high risk)
APN	`16-23-28-3899-00-130`

Property Details

APN / Parcel Number

Primary APN	`16-23-28-3899-00-130`
Alternative APNs	`282316389900130` `283332` `288175` `292339`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Building Area	5,724 sqft Living Area
Gross Area	8,735 sqft

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Exterior Material	Concrete Block
Lot Area	94,261 sqft (2.16 acres)

Location & Zoning

Street Address	9736 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 13
Legal Range	28E
Legal Township	23S
Legal Section	16
Legal Subdivision	ISLEWORTH
Legal Tract	3899
Legal Lot Number	13
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	6125 GROSVENOR SHORE DR, WINDERMERE, FL 34786-5660
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2025	Deed of Trust, Mortgage · Conventional Mortgage RAYMOND JAMES BANK NA
Oct 27, 2023	Deed of Trust, Mortgage · Construction Mortgage CLIMATE FIRST BANK
Aug 4, 2023	Warranty Deed, Subdivision Related Transfer ATTORNEY ONLY, ATTORNEY
Nov 3, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2023 · Amount on Record
Deed Sale	Aug 4, 2023 · Amount on Record
Prior Sale	Nov 3, 2021 · Amount on Record
Deed Document Number	2023441549
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	9736 CHESTNUT RIDGE DR, WINDERMERE, FL 34786-8943
Transaction Type	Mortgage
Record Updated	Sep 26, 2025
Title Company	BEST TITLE COMPANY, ESSENT TITLE INSURANCE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9736 CHESTNUT RIDGE DR, WINDERMERE, FL 34786-8943

Mortgage

Document Number	0000530623
Date	Sep 12, 2025
Instrument	20250530623

Lender

Name	RAYMOND JAMES BANK NA
Type	Bank
Address	SAINT PETERSBURG, FL 33716

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	Oct 1, 2035
Change Frequency	Annually
Min Rate At Change	3.62%
Max Rate At Change	7.62%
Max Rate	10.6%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	9736 CHESTNUT RIDGE DR, WINDERMERE, FL 34786-8943
Transaction Type	Mortgage
Record Updated	Nov 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6125 GROSVENOR SHORE DR, WINDERMERE, FL 34786-5660

Mortgage

Document Number	0000626423
Date	Oct 27, 2023
Instrument	20230626423

Lender

Name	CLIMATE FIRST BANK
Type	Bank
Address	SAINT PETERSBURG, FL 33704

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	8.49%
Type Change Date	Nov 1, 2030
Change Frequency	Annually
Min Rate At Change	3.49%
Max Rate At Change	13.4%
Index	1-Year T-Bill
Max Rate	13.4%

August 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Aug 4, 2023
Property Address	9736 CHESTNUT RIDGE DR, WINDERMERE, FL 34786-8943
Document Number	0000441549
Map Reference	MB 16 PG 118-130
Instrument Date	Aug 3, 2023
Instrument	20230441549
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 21, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$15,400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	505 MAIN ST, WINDERMERE, FL 34786-3546

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6125 GROSVENOR SHORE DR, WINDERMERE, FL 34786-5660

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Nov 3, 2021
Property Address	9736 CHESTNUT RIDGE DR, WINDERMERE, FL 34786-8943
Document Number	0000676104
Map Reference	MB 16 PG 118-130
Instrument Date	Nov 1, 2021
Instrument	20210676104
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$13,125.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4700 MILLENIA BLVD STE 400, 4700, ORLANDO, FL 32839-6020

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 2623, WINDERMERE, FL 34786-2623

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		$4,691,300 (+146.91%) Land $1,900,000 Building $2,791,300	$4,691,300 (+146.91%) Land $1,900,000 Building $2,791,300
2025	$31,539.00 (+1.19%)	$1,900,000 (-) Land $1,900,000	$1,900,000 (-) Land $1,900,000
2024	$31,168.00 (+4.08%)
2023	$29,946.00 (+5.28%)	$1,900,000 (+5.56%) Land $1,900,000	$1,900,000 (+5.56%) Land $1,900,000
2022	$28,444.00	$1,800,000 Land $1,800,000	$1,800,000 Land $1,800,000

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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