9838 Laurel Valley Dr, Windermere, FL 34786 Property Records

Orange County property record for 9838 Laurel Valley Dr, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	5 bd · 7.5 ba · 10,132 sqft · built 1997
Lot Size	0.54 acres (23,542 sqft)
Owner	2 Individual Names on Record
Last Sale	$5,300,000 (Dec 2021)
Tax Bill	$92,683 (2025)
Deeds & Mortgages	Dec 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-23-28-3899-01-720`

Property Details

APN / Parcel Number

Primary APN	`16-23-28-3899-01-720`
Alternative APNs	`282316389901720` `283424` `288269` `292432`

Interior

Bedrooms	5 Beds
Full Baths	7.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	10,132 sqft Living Area
Gross Area	13,083 sqft
1st Floor Area	5,081 sqft
Basement Area	3,317 sqft
Flooring	Wood
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2001
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	23,542 sqft (0.54 acres)
Garage Type	Attached
Garage Area	1,189 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Enclosed/Unfinished Porch
Porch Area	627 sqft
Patio Area	100 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	9838 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 172
Legal Range	28E
Legal Township	23S
Legal Section	16
Legal Subdivision	ISLEWORTH
Legal Tract	3899
Legal Block	1
Legal Lot Number	172
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2047
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	9838 LAUREL VALLEY DR, WINDERMERE, FL 34786-8911
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 13, 2021 · Amount on Record
Deed Sale	Dec 13, 2021 · Amount on Record
Prior Sale	May 1, 2013 · Amount on Record
Deed Document Number	2021757685
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	9838 LAUREL VALLEY DR, WINDERMERE, FL 34786-8911
Transaction Type	Mortgage
Record Updated	Dec 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5331 VISTA CLUB RUN, SANFORD, FL 32771-7170

Mortgage

Document Number	0000757686
Date	Dec 13, 2021
Instrument	20210757686

Lender

Name	ANGEL OAK MORTGAGE SOLUTIONS LLC
Type	Mortgage Company
Address	ATLANTA, GA 30328

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

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		$5,656,934 (-0.25%) Land $1,400,000 Building $4,256,934	$5,656,934 (-1.27%) Land $1,400,000 Building $4,256,934
2025	$92,683.00 (+2.92%) Homeowner's exemption	$5,671,287 (+5.79%)	$5,729,438 (+6.88%) Land $1,400,000 Building $4,329,438
2024	$90,053.00 (+7.01%)
2023	$84,154.00 (+16.93%) Homeowner's exemption	$5,360,698 (+18.13%) Land $1,400,000 Building $3,960,698	$5,360,698 (+18.13%) Land $1,400,000 Building $3,960,698
2022	$71,968.00	$4,537,835 Land $1,200,000 Building $3,337,835	$4,537,835 Land $1,200,000 Building $3,337,835

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 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 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 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