12165 Northover Loop, Orlando, FL 32824 Property Records

Orange County property record for 12165 Northover Loop, Orlando, FL 32824

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,460 sqft · built 2017
Lot Size	0.227 acres (9,904 sqft)
Owner	2 Individual Names on Record
Last Sale	$411,000 (Jan 2018)
Tax Bill	$400 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Jan 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-24-30-7632-02-260`

Property Details

APN / Parcel Number

Primary APN	`29-24-30-7632-02-260`
Alternative APNs	`302429763202260` `576029` `581890` `586604`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,460 sqft Living Area
Gross Area	4,461 sqft
1st Floor Area	1,778 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,904 sqft (0.227 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	136 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12165 NORTHOVER LOOP
City	ORLANDO
State	FL
Zip	32824-7391
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	SOMERSET PARK PHASE 3 91/87 LOT 226
Legal Range	30E
Legal Township	24S
Legal Section	29
Legal Subdivision	SOMERSET PK PH 3
Legal Phase	3
Legal Block	2
Legal Lot Number	226
Jurisdiction	ORANGE FL
Township / Civil Division	ORLANDO
Census Block Group	2
Census Block	2000
Census Tract	16811

Owner

Source: Orange County records, as of May 4, 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	12165 NORTHOVER LOOP, ORLANDO, FL 32824-7391
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Jan 11, 2018	Warranty Deed, Subdivision Related Transfer · VA Mortgage M&I FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 11, 2018 · Amount on Record
Deed Sale	Jan 11, 2018 · Amount on Record
Prior Sale	Jun 1, 2017 · Amount on Record
Deed Document Number	201824515
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12165 NORTHOVER LOOP, ORLANDO, FL 32824-7391
Document Number	0000423399
Instrument Date	Aug 6, 2020
Transaction Type	Mortgage
Record Updated	Aug 31, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12165 NORTHOVER LOOP ORLANDO FL 328247391, ORLANDO, FL 32824-7391

Mortgage

Document Number	0000423399
Date	Aug 11, 2020
Instrument	423399

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 10, 2050

January 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jan 11, 2018
Property Address	12165 NORTHOVER LOOP, ORLANDO, FL 32824-7391
Document Number	0000024515
Instrument Date	Dec 27, 2017
Instrument	24515
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 9, 2019
Title Company	M/I TITLE AGENCY LIMITED LC, M/I TITLE AGENCY LTD LC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,877.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12165 NORTHOVER LOOP ORLANDO FL 328247391, ORLANDO, FL 32824-7391

Mortgage

Document Number	24516
Date	Jan 11, 2018
Instrument	24516

Lender

Name	M&I FIN'L
Type	Funding / Finance Company
Address	COLUMBUS, OH 43219

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 10, 2048

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		$428,034 (+2.7%)	$637,010 (-1.22%) Land $105,000 Building $532,010
2025	$400.00 (-93.46%) Homeowner's exemption	$416,781 (+5.99%)	$644,860 (+12.66%) Land $105,000 Building $539,860
2024	$6,115.00 (+5.92%)
2023	$5,773.00 (+3.46%) Homeowner's exemption	$393,238 (+3%)	$572,383 (+21.18%) Land $105,000 Building $467,383
2022	$5,580.00 Homeowner's exemption	$381,784	$472,324 Land $80,000 Building $392,324

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 41 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	41 in force
Nearby Flood Claims	1 (2026)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2026 · rainfall accumulation

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	Moderate above 47% of the US · lower than 82% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Summit Broadband, Xfinity.

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