12104 McKinnon Rd, Windermere, FL 34786 Property Records

Orange County property record for 12104 McKinnon Rd, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,153 sqft · built 1974
Lot Size	0.955 acres (41,599 sqft)
Owner	2 Individual Names on Record
Last Sale	$810,000 (Jun 2016)
Tax Bill	$13,205 (2025)
Deeds & Mortgages	May 2020 Line of Credit May 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`01-23-27-0000-00-023`

Property Details

APN / Parcel Number

Primary APN	`01-23-27-0000-00-023`
Alternative APNs	`272301000000023` `130704` `131487` `133003`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,153 sqft Living Area
Gross Area	5,347 sqft
1st Floor Area	2,111 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 2015
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	41,599 sqft (0.955 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Florida Room
Porch Area	349 sqft
Patio Area	145 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	12104 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 775 FT W & 198 F T N OF SE COR OF NE1/4 TH N 21 DEG W 380 FT M/L TO S R/W LIN E OF CO RD TH NELY 140.6 FT TH S 360 FT TO POB & TH PT OF GO
Legal Range	27E
Legal Township	23S
Legal Section	01
Legal Subdivision	ACREAGE & UNREC PLATS
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	12104 MCKINNON RD, WINDERMERE, FL 34786-6114
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 20, 2020	Deed of Trust, Mortgage · Line of Credit SYNOVUS BK
May 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage SYNOVUS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2016 · Amount on Record
Deed Sale	Jun 23, 2016 · Amount on Record
Prior Sale	May 1, 2016 · Amount on Record
Deed Document Number	2016325013
Prior Transfer Date	May 12, 2016
Prior Transfer Doc	0000249873
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12104 MCKINNON RD, WINDERMERE, FL 34786-6114
Document Number	0000305147
Instrument Date	May 20, 2020
Transaction Type	Mortgage
Record Updated	Jun 17, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12104 MCKINNON RD WINDERMERE FL 347866114, WINDERMERE, FL 34786-6114

Mortgage

Document Number	0000305147
Date	Jun 1, 2020
Instrument	305147

Lender

Name	SYNOVUS BK
Type	Bank
Address	COLUMBUS, GA 31901

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 31, 2050

Interest

Rate Type	Adjustable Rate

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12104 MCKINNON RD, WINDERMERE, FL 34786-6114
Document Number	0000300539
Instrument Date	May 20, 2020
Transaction Type	Mortgage
Record Updated	Jun 12, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12104 MCKINNON RD WINDERMERE FL 347866114, WINDERMERE, FL 34786-6114

Mortgage

Document Number	0000300539
Date	May 28, 2020
Instrument	300539

Lender

Name	SYNOVUS BK
Type	Bank
Address	BIRMINGHAM, AL 35209

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 27, 2050

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		$856,538 (+2.7%)	$1,220,900 (-0.93%) Land $525,000 Building $695,900
2025	$13,205.00 (+3.61%) Homeowner's exemption	$834,019 (+5.99%)	$1,232,390 (+24.38%) Land $525,000 Building $707,390
2024	$12,745.00 (+7.3%)
2023	$11,878.00 (+3.08%) Homeowner's exemption	$786,907 (+3%)	$990,814 (+23.83%) Land $360,000 Building $630,814
2022	$11,523.00 Homeowner's exemption	$763,987	$800,151 Land $260,000 Building $540,151

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	104.1 ft
Flood Insurance Requirement	Required federally backed loans
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.

Nearby Properties on McKinnon Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures