12006 Waterstone Loop Dr, Windermere, FL 34786 Property Records

Orange County property record for 12006 Waterstone Loop Dr, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 4,990 sqft · built 2012
Lot Size	0.445 acres (19,371 sqft)
Owner	2 Individual Names on File
Last Sale	$1,025,000 (Oct 2018)
Tax Bill	$19,596 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Oct 2018 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`24-23-27-9009-00-570`

Property Details

APN / Parcel Number

Primary APN	`24-23-27-9009-00-570`
Alternative APNs	`272324900900570` `146704` `147874` `149994`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,990 sqft Living Area
Gross Area	6,907 sqft
1st Floor Area	2,947 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	19,371 sqft (0.445 acres)
Garage Type	Attached
Garage Area	1,034 sqft
Parking Spaces	4 Parking Spaces
Porch	Florida Room
Porch Area	523 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12006 WATERSTONE LOOP DR
City	WINDERMERE
State	FL
Zip	34786-5427
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	WATERSTONE 74/131 LOT 57
Legal Range	27E
Legal Township	23S
Legal Section	24
Legal Subdivision	WATERSTONE
Legal Tract	9009
Legal Lot Number	57
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2011
Census Tract	17115

Owner

Source: Orange County assessment roll, 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 File
Mailing Address	12006 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5427
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 25, 2020	Deed of Trust, Mortgage AMERICAN MOMENTUM BK
Oct 30, 2018	Warranty Deed, Transfer · ARM FLORIDA COMMUNITY BANK NA
Dec 5, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Mar 29, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 30, 2018 · Amount on Record
Deed Sale	Oct 30, 2018 · Amount on Record
Prior Sale	Mar 29, 2017 · Amount on Record
Deed Document Number	2018637022
Prior Transfer Date	Nov 13, 2017
Prior Transfer Doc	0000661291
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12006 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5427
Document Number	0000628226
Instrument Date	Nov 25, 2020
Transaction Type	Mortgage
Record Updated	Dec 16, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12006 WATERSTONE LOOP DR WINDERMERE FL 347865427, WINDERMERE, FL 34786-5427

Mortgage

Document Number	0000628226
Date	Dec 2, 2020
Instrument	628226

Lender

Name	AMERICAN MOMENTUM BK
Type	Bank
Address	1 MOMENTUM BLVD, COLLEGE STATION, TX 77845-6199

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.12%

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Oct 30, 2018
Property Address	12006 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5427
Document Number	0000637022
Map Reference	MB 74 PG 131
Instrument Date	Oct 29, 2018
Instrument	20180637022
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	FLORIDA TITLE & GUARANTEE AG

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$7,175.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1410 LANDON DR, 1410, LOCUST GROVE, GA 30248-2462

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12006 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5427

Mortgage

Document Number	0000637023
Date	Oct 30, 2018
Instrument	20180637023

Lender

Name	FLORIDA COMMUNITY BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Nov 1, 2028
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	9.25%
Index	1-Year LIBOR
Max Rate	9.25%

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE FL
Recording Date	Dec 5, 2017
Property Address	12006 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5427
Document Number	0000661291
Instrument Date	Nov 13, 2017
Instrument	661291
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12006 WATERSTONE LOOP DR WINDERMERE FL 347865427, WINDERMERE, FL 34786-5427

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Mar 29, 2017
Property Address	12006 WATERSTONE LOOP DR, WINDERMERE, FL 34786-5427
Document Number	0000168355
Instrument Date	Mar 23, 2017
Instrument	168355
Transaction Type	Transfer
Record Updated	Apr 27, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$6,475.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12006 WATERSTONE LOOP DR WINDERMERE FL 347865427, WINDERMERE, FL 34786-5427

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		$1,244,570 (+2.7%)	$1,664,300 (-1.31%) Land $280,000 Building $1,384,300
2025	$19,596.00 (+3.35%) Homeowner's exemption	$1,211,850 (+5.99%)	$1,686,470 (+10.63%) Land $280,000 Building $1,406,470
2024	$18,960.00 (+7.22%)
2023	$17,683.00 (+2.97%) Homeowner's exemption	$1,143,395 (+3%)	$1,524,477 (+22.81%) Land $280,000 Building $1,244,477
2022	$17,173.00 Homeowner's exemption	$1,110,092	$1,241,332 Land $280,000 Building $961,332

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 61 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	61 in force
Nearby Flood Claims	3 (2022–2024)
Claims Outside the SFHA	2 of 3
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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 119 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AT&T, Lumen Technologies.

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