12100 McKinnon Rd, Windermere, FL 34786 Property Records

Orange County property record for 12100 McKinnon Rd, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	5 bd · 6 ba · 3,919 sqft · built 1998
Lot Size	1.45 acres (63,216 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,810,000 (Sep 2023)
Tax Bill	$22,746 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Jul 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`01-23-27-0000-00-034`

Property Details

APN / Parcel Number

Primary APN	`01-23-27-0000-00-034`
Alternative APNs	`272301000000034` `130718` `131501` `133017`

Interior

Bedrooms	5 Beds
Full Baths	6 Baths
Stories	2 Stories
Building Area	3,919 sqft Living Area
Gross Area	6,238 sqft
1st Floor Area	2,323 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	63,216 sqft (1.45 acres)
Garage Type	Attached
Garage Area	1,008 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	963 sqft
Patio Area	66 sqft
Boat Access	Boat Access
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12100 MCKINNON RD
City	WINDERMERE
State	FL
Zip	34786-6114
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-CE
Legal Description	TH PT OF GOV LOT 1 SEC 01-23-27 DESC AS BEG 501.98 FT N & N 85 DEG W 354.95 FT FROM E1/4 COR OF SEC RUN N 85 DEG W 390 F T S 327.13 FT N 52 DEG E 493.34 FT TO POB
Legal Range	27E
Legal Township	23S
Legal Section	01
Legal Subdivision	ACREAGE & UNREC
Legal Tract	0000
Legal Lot Number	1
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1004
Census Tract	17115

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	12100 MCKINNON RD, WINDERMERE, FL 34786-6114
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2023	Warranty Deed, Transfer · Commercial Mortgage COMMERCE BANK & TRUST
Jul 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Feb 20, 2020	Deed of Trust, Mortgage · Line of Credit PNC BK
Oct 23, 2017	Deed of Trust, Mortgage · Line of Credit PNC BK
Jun 28, 2017	Warranty Deed, Transfer · Conventional Mortgage CHEMICAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2023 · Amount on Record
Deed Sale	Sep 11, 2023 · Amount on Record
Prior Sale	Jun 28, 2017 · Amount on Record
Deed Document Number	2023516240
Prior Transfer Date	Apr 30, 2014
Prior Transfer Doc	0107407631
Record Updated	Jun 8, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Sep 11, 2023
Property Address	12100 MCKINNON RD, WINDERMERE, FL 34786-6114
Document Number	0000516240
Instrument Date	Sep 8, 2023
Instrument	20230516240
Transaction Type	Transfer
Record Updated	Sep 27, 2023
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$12,670.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12100 MCKINNON RD, WINDERMERE, FL 34786-6114

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12100 MCKINNON RD, WINDERMERE, FL 34786-6114

Mortgage

Document Number	0000518979
Date	Sep 11, 2023
Instrument	20230518979

Lender

Name	COMMERCE BANK & TRUST
Type	Bank
Address	WINTER PARK, FL 32789

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	9 Months
Due	Jun 1, 2024

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12100 MCKINNON RD, WINDERMERE, FL 34786-6114
Transaction Type	Mortgage
Record Updated	Jul 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12100 MCKINNON RD, WINDERMERE, FL 34786-6114

Mortgage

Document Number	20210406168
Date	Jul 8, 2021
Instrument	20210406168

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12100 MCKINNON RD, WINDERMERE, FL 34786-6114
Document Number	0000185977
Instrument Date	Feb 20, 2020
Transaction Type	Mortgage
Record Updated	Apr 17, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12100 MCKINNON RD WINDERMERE FL 347866114, WINDERMERE, FL 34786-6114

Mortgage

Document Number	0000185977
Date	Mar 24, 2020
Instrument	185977

Lender

Name	PNC BK
Type	Bank
Address	ORLANDO, FL 32835

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 23, 2050

Interest

Rate Type	Adjustable Rate

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12100 MCKINNON RD, WINDERMERE, FL 34786-6114
Document Number	0000616291
Instrument Date	Oct 23, 2017
Transaction Type	Mortgage
Record Updated	Aug 28, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12100 MCKINNON RD WINDERMERE FL 347866114, WINDERMERE, FL 34786-6114

Mortgage

Document Number	0000616291
Date	Nov 10, 2017
Instrument	616291

Lender

Name	PNC BK
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Nov 9, 2057

Interest

Rate Type	Adjustable Rate

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jun 28, 2017
Property Address	12100 MCKINNON RD, WINDERMERE, FL 34786-6114
Document Number	0000360398
Instrument Date	Jun 14, 2017
Instrument	20170360398
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	SUNBELT TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,215.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12100 MCKINNON RD, WINDERMERE, FL 34786-6114

Mortgage

Document Number	0000360399
Date	Jun 28, 2017
Instrument	20170360399

Lender

Name	CHEMICAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

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		$1,434,498 (+0.65%)	$1,570,150 (-0.99%) Land $525,000 Building $1,045,150
2025	$22,746.00 (+16.62%) Homeowner's exemption	$1,425,260 (+80.6%)	$1,585,820 (+72.68%) Land $525,000 Building $1,060,820
2024	$19,505.00 (+63.71%)
2023	$11,914.00 (+3.08%) Homeowner's exemption	$789,202 (+3%)	$918,352 (+11.52%) Land $285,000 Building $633,352
2022	$11,558.00 Homeowner's exemption	$766,216	$823,482 Land $285,000 Building $538,482

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 34 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	34 in force

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 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.07% 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 77 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Summit Broadband, Xfinity.

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