Orange County property record for 9815 Laurel Valley Dr, Windermere, FL 34786
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 5 ba · 4,864 sqft · built 2000 |
| Lot Size | 0.931 acres (40,557 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $1,100,000 (May 2009) |
| Tax Bill | $22,187 (2025) |
| Deeds & Mortgages | Oct 2025 Reverse Mortgage Mar 2024 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-23-28-3906-00-520 |
| Primary APN | 16-23-28-3906-00-520 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5 Baths |
| Stories | 2 Stories |
| Building Area | 4,864 sqft Living Area |
| Gross Area | 7,819 sqft |
| 1st Floor Area | 3,951 sqft |
| Flooring | Wood |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Custom Design |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Concrete |
| Lot Area | 40,557 sqft (0.931 acres) |
| Garage Type | Attached |
| Garage Area | 1,176 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 1,477 sqft |
| Patio Area | 141 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 9815 LAUREL VALLEY DR |
|---|---|
| City | WINDERMERE |
| State | FL |
| Zip | 34786-8917 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | P-D |
| Legal Description | ISLEWORTH FIRST AMENDMENT 33/135 LOT 52 SEE 5654/2397 |
| Legal Range | 28E |
| Legal Township | 23S |
| Legal Section | 16 |
| Legal Subdivision | ISLEWORTH 1ST AMND |
| Legal Tract | 3906 |
| Legal Lot Number | 52 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 2 |
| Census Block | 2047 |
| Census Tract | 14809 |
Source: Orange County records, as of May 4, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 9815 LAUREL VALLEY DR, WINDERMERE, FL 34786-8917 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 10, 2025 | Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC |
| Mar 26, 2024 | Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 6, 2009 · Amount on Record |
| Deed Sale | May 6, 2009 · Amount on Record |
| Prior Sale | Jan 12, 2009 · Amount on Record |
| Deed Document Number | 2009262118 |
| Deed Book / Page | 9868 / 8397 |
| Last Transfer Date | Aug 7, 2009 |
| Transfer Doc | 0000462711 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 9815 LAUREL VALLEY DR, WINDERMERE, FL 34786-8917 |
| Transaction Type | Mortgage |
| Record Updated | Nov 4, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000590409 |
|---|---|
| Date | Oct 10, 2025 |
| Instrument | 20250590409 |
| Name | FINANCE OF AMERICA REVERSE LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Address | FLINT, MI 48501 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 1067 Months |
| Due | Sep 7, 2114 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 9815 LAUREL VALLEY DR, WINDERMERE, FL 34786-8917 |
| Transaction Type | Mortgage |
| Record Updated | Apr 12, 2024 |
| Name | Verified Name |
|---|---|
| Address | 9815 LAUREL VALLEY DR, WINDERMERE, FL 34786-8917 |
| Document Number | 0000173172 |
|---|---|
| Date | Mar 26, 2024 |
| Instrument | 20240173172 |
| Name | COASTAL COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | CAMPBELL, CA 95008 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Orange County assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Unified School District | Orange County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,406,946 (+2.7%) | $1,921,040 (-1.17%) Land $620,000 Building $1,301,040 | |
| 2025 | $22,187.00 (+3.29%) Homeowner's exemption | $1,369,957 (+5.99%) | $1,943,830 (+14.76%) Land $620,000 Building $1,323,830 |
| 2024 | $21,481.00 (+7.22%) | ||
| 2023 | $20,035.00 (+2.94%) Homeowner's exemption | $1,292,571 (+3%) | $1,693,790 (+27.7%) Land $620,000 Building $1,073,790 |
| 2022 | $19,462.00 Homeowner's exemption | $1,254,923 | $1,326,428 Land $420,000 Building $906,428 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 42 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Hotwire Communications Fiber | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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