Orange County property record for 9832 Laurel Valley Dr, Windermere, FL 34786
| Property Type | Single Family Home |
|---|---|
| Details | 12 bd · 15.25 ba · 20,268 sqft · built 2004 |
| Lot Size | 0.601 acres (26,184 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $9,000,000 (Oct 2025) |
| Tax Bill | $93,183 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Nov 2025 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-23-28-3899-01-730 |
| Primary APN | 16-23-28-3899-01-730 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 12 Beds |
|---|---|
| Full Baths | 15.2 Baths |
| Half Baths | 2 Half Baths |
| Stories | 3 Stories |
| Building Area | 20,268 sqft Living Area |
| Gross Area | 25,592 sqft |
| 1st Floor Area | 7,320 sqft |
| Utility Area | 271 sqft |
| Flooring | Marble |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Elevator | Elevator |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Concrete Block/Stucco |
| Roof Type | Gable/Hip |
| Roof Material | Concrete |
| Lot Area | 26,184 sqft (0.601 acres) |
| Garage Type | Attached |
| Garage Area | 1,467 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 696 sqft |
| Boat Access | Boat Access |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 9832 LAUREL VALLEY DR |
|---|---|
| City | WINDERMERE |
| State | FL |
| Zip | 34786-8911 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | P-D |
| Legal Description | ISLEWORTH 16/118 LOT 173 |
| Legal Range | 28E |
| Legal Township | 23S |
| Legal Section | 16 |
| Legal Subdivision | ISLEWORTH |
| Legal Tract | 3899 |
| Legal Block | 1 |
| Legal Lot Number | 173 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 2 |
| Census Block | 2047 |
| Census Tract | 14809 |
9832 Laurel Valley Dr is owned and occupied by two individuals who bought it in October 2025.
Source: Orange County records, as of October 22, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 9832 LAUREL VALLEY DR, WINDERMERE, FL 34786-8911 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 30, 2025 | Deed of Trust, Mortgage · Line of Credit QUORUM FEDERAL CU |
| Nov 25, 2025 | Deed of Trust, Mortgage · Conventional Mortgage LOAN PRONTO INC |
| Oct 8, 2025 | Warranty Deed, Transfer · Balloon Mortgage STEPHEN BRAUN TRUST |
| Jun 2, 2023 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Sep 14, 2020 | Warranty Deed, Transfer TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| May 22, 2018 | Warranty Deed, Transfer · ARM WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 8, 2025 · Amount on File |
| Deed Sale | Oct 8, 2025 · Amount on File |
| Prior Sale | Jun 2, 2023 · Amount on File |
| Deed Document Number | 2025583480 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 9832 LAUREL VALLEY DR, WINDERMERE, FL 34786-8911 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 9832 LAUREL VALLEY DR, WINDERMERE, FL 34786-8911 |
| Document Number | 0000740533 |
|---|---|
| Date | Dec 30, 2025 |
| Instrument | 20250740533 |
| Name | QUORUM FEDERAL CU |
|---|---|
| Type | Credit Union |
| Address | PURCHASE, NY 10577 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 9832 LAUREL VALLEY DR, WINDERMERE, FL 34786-8911 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2025 |
| Name | Verified Name |
|---|---|
| Address | 9832 LAUREL VALLEY DR, WINDERMERE, FL 34786-8911 |
| Document Number | 0000678419 |
|---|---|
| Date | Nov 25, 2025 |
| Instrument | 20250678419 |
| Name | LOAN PRONTO INC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28208 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.12% |
| Type Change Date | Dec 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 11.1% |
| Index | SOFR Average 30-Day |
| Max Rate | 11.1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Oct 8, 2025 |
| Property Address | 9832 LAUREL VALLEY DR, WINDERMERE, FL 34786-8911 |
| Document Number | 0000583480 |
| Map Reference | MB 16 PG 118-130 |
| Instrument Date | Oct 2, 2025 |
| Instrument | 20250583480 |
| Transaction Type | Transfer |
| Record Updated | Nov 4, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $63,000.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11431 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5429 |
| Name | Verified Name |
|---|---|
| Address | 9832 LAUREL VALLEY DR, WINDERMERE, FL 34786-8911 |
| Document Number | 0000583481 |
|---|---|
| Date | Oct 8, 2025 |
| Instrument | 20250583481 |
| Name | STEPHEN BRAUN TRUST |
|---|---|
| Type | Private Party |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Jun 2, 2023 |
| Property Address | 9832 LAUREL VALLEY DR, WINDERMERE, FL 34786-8911 |
| Document Number | 0000310648 |
| Map Reference | MB 16 PG 118-130 |
| Instrument Date | Jun 1, 2023 |
| Instrument | 20230310648 |
| Transaction Type | Transfer |
| Record Updated | Jun 21, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Tax | $44,800.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9832 LAUREL VALLEY DR, WINDERMERE, FL 34786-8911 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 8815 CONROY WINDERMERE RD # 375, 375, ORLANDO, FL 32835-3129 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Sep 14, 2020 |
| Property Address | 9832 LAUREL VALLEY DR, WINDERMERE, FL 34786-8911 |
| Document Number | 0000481071 |
| Instrument Date | Sep 10, 2020 |
| Instrument | 481071 |
| Transaction Type | Transfer |
| Record Updated | Sep 28, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Amount | Amount on Record |
|---|---|
| Tax | $41,475.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 9832 LAUREL VALLEY DR WINDERMERE FL 347868911, WINDERMERE, FL 34786-8911 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | May 22, 2018 |
| Property Address | 9832 LAUREL VALLEY DR, WINDERMERE, FL 34786-8911 |
| Document Number | 0000304863 |
| Map Reference | MB 16 PG 118-130 |
| Instrument Date | May 21, 2018 |
| Instrument | 20180304863 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $36,750.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2222 AZALEA PL, 2222, WINTER PARK, FL 32789-1204 |
| Name | Verified Name |
|---|---|
| Address | 9832 LAUREL VALLEY DR, WINDERMERE, FL 34786-8911 |
| Document Number | 0000304864 |
|---|---|
| Date | May 22, 2018 |
| Instrument | 20180304864 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Type Change Date | Jun 1, 2023 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 5.37% |
| Index | 6-Month LIBOR |
| Max Rate | 8.37% |
The 2025 property tax bill for 9832 Laurel Valley Dr was $93,183, up 3.6% from the year before.
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 | $5,599,000 (-1.1%) Land $1,500,000 Building $4,099,000 | $5,599,000 (-1.1%) Land $1,500,000 Building $4,099,000 | |
| 2025 | $93,183.00 (+3.56%) | $5,661,190 (+3.55%) Land $1,500,000 Building $4,161,190 | $5,661,190 (+3.55%) Land $1,500,000 Building $4,161,190 |
| 2024 | $89,981.00 (-9.42%) | $5,466,914 (-16.61%) Land $1,500,000 Building $3,966,914 | $5,466,914 (-16.61%) Land $1,500,000 Building $3,966,914 |
| 2023 | $99,337.00 (+12.96%) | $6,555,822 (+17.99%) Land $1,500,000 Building $5,055,822 | $6,555,822 (+17.99%) Land $1,500,000 Building $5,055,822 |
| 2022 | $87,940.00 | $5,556,372 Land $1,300,000 Building $4,256,372 | $5,556,372 Land $1,300,000 Building $4,256,372 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 9832 Laurel Valley Dr in Zone X, an area of minimal flood risk, within 100 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 100 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 |
|
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 risk around 9832 Laurel Valley 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 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.
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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