9809 Quail Cove Ct, Windermere, FL 34786 Property Records

Orange County property record for 9809 Quail Cove Ct, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,768 sqft · built 1986
Lot Size	0.372 acres (16,185 sqft)
Owner	2 Individual Names on File
Last Sale	$330,000 (Jun 2004)
Tax Bill	$5,122 (2025)
Deeds & Mortgages	Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-23-28-9334-00-510`

Property Details

APN / Parcel Number

Primary APN	`05-23-28-9334-00-510`
Alternative APNs	`282305933400510` `274809` `279651` `283810`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,768 sqft Living Area
Gross Area	3,490 sqft
1st Floor Area	2,412 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	16,185 sqft (0.372 acres)
Garage Type	Attached
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	549 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	9809 QUAIL COVE CT
City	WINDERMERE
State	FL
Zip	34786-8012
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	WINDERMERE DOWNS 1ST ADDITION 11/108 LOT 51
Legal Range	28E
Legal Township	23S
Legal Section	05
Legal Subdivision	WINDERMERE DOWNS 1ST ADD
Legal Tract	9334
Legal Lot Number	51
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1002
Census Tract	14814

Owner

9809 Quail Cove Ct is owned and occupied by two individuals who bought it in June 2004.

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

Owner of Record	2 Individual Names on File
Mailing Address	9809 QUAIL COVE CT, WINDERMERE, FL 34786-8012
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2004 · Amount on File
Deed Sale	Jun 28, 2004 · Amount on File
Prior Sale	Oct 14, 1997 · Amount on File
Deed Document Number	2004408791
Deed Book / Page	7503 / 4088
Record Updated	Jun 8, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	9809 QUAIL COVE CT, WINDERMERE, FL 34786-8012
Document Number	0000512445
Instrument Date	Sep 25, 2020
Transaction Type	Mortgage
Record Updated	Oct 22, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9809 QUAIL COVE CT WINDERMERE FL 347868012, WINDERMERE, FL 34786-8012

Mortgage

Document Number	0000512445
Date	Oct 1, 2020
Instrument	512445

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Sep 30, 2045

Tax Assessment & Valuation

The 2025 property tax bill for 9809 Quail Cove Ct was $5,122, up 5.2% 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		$330,990 (+2.7%)	$624,045 (-2.13%) Land $210,000 Building $414,045
2025	$5,122.00 (+5.15%) Homeowner's exemption	$322,288	$637,645 Land $210,000 Building $427,645
2024	$4,871.00 (+7.39%)
2023	$4,536.00 (+3.85%) Homeowner's exemption	$304,083 (+3%)	$555,468 (+16.27%) Land $210,000 Building $345,468
2022	$4,368.00 Homeowner's exemption	$295,226	$477,754 Land $210,000 Building $267,754

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

Flood

FEMA maps place 9809 Quail Cove Ct in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2022.

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

Wildfire risk around 9809 Quail Cove Ct 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 96% of the US · lower than 96% 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 160 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20