12177 Northover Loop, Orlando, FL 32824 Property Records

Orange County property record for 12177 Northover Loop, Orlando, FL 32824

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,059 sqft · built 2019
Lot Size	0.25 acres (10,898 sqft)
Owner	Individual Name on Record
Last Sale	$515,000 (May 2023)
Tax Bill	$7,012 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Jun 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`29-24-30-7632-02-280`

Property Details

APN / Parcel Number

Primary APN	`29-24-30-7632-02-280`
Alternative APNs	`302429763202280` `576031` `581892` `586606`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,059 sqft Living Area
Gross Area	3,152 sqft
1st Floor Area	1,405 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Concrete Block/Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,898 sqft (0.25 acres)
Garage Type	Attached
Garage Area	454 sqft
Porch	Slab
Porch Area	208 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12177 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 228
Legal Range	30E
Legal Township	24S
Legal Section	29
Legal Subdivision	SOMERSET PK PH 3
Legal Phase	3
Legal Block	2
Legal Lot Number	228
Jurisdiction	ORANGE FL
Township / Civil Division	ORLANDO
Census Block Group	2
Census Block	2000
Census Tract	16811

Owner

Source: Orange County records, as of October 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	12177 NORTHOVER LOOP, ORLANDO, FL 32824-7391
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
May 25, 2023	Warranty Deed, Transfer · Conventional Mortgage A&D MORTGAGE LLC
Jun 6, 2022	Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC
Jun 24, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Oct 1, 2019	Grant Deed, Subdivision Related Transfer · FHA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 25, 2023 · Amount on Record
Deed Sale	May 25, 2023 · Amount on Record
Prior Sale	Oct 1, 2019 · Amount on Record
Deed Document Number	2023297467
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	May 25, 2023
Property Address	12177 NORTHOVER LOOP, ORLANDO, FL 32824-7391
Document Number	0000297467
Map Reference	MB 91 PG 87
Instrument Date	May 24, 2023
Instrument	20230297467
Transaction Type	Transfer
Record Updated	Jun 16, 2023
Title Company	RED DOOR TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,605.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2223 HUNTSMAN RIDGE RD, MINNEOLA, FL 34715-9337

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12177 NORTHOVER LOOP, ORLANDO, FL 32824-7391

Mortgage

Document Number	0000297468
Date	May 25, 2023
Instrument	20230297468

Lender

Name	A&D MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12177 NORTHOVER LOOP, ORLANDO, FL 32824-7391
Transaction Type	Mortgage
Record Updated	Jun 28, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12177 NORTHOVER LOOP, ORLANDO, FL 32824-7391

Mortgage

Document Number	0000350201
Date	Jun 6, 2022
Instrument	20220350201

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	OKLAHOMA CITY, OK 73134

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	328 Months
Due	Oct 1, 2049

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12177 NORTHOVER LOOP, ORLANDO, FL 32824-7391
Document Number	0000514321
Instrument Date	Jun 24, 2020
Transaction Type	Mortgage
Record Updated	Oct 22, 2020
Title Company	CORELOGIC-SOLUTIONS EXPRESS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12177 NORTHOVER LOOP ORLANDO FL 328247391, ORLANDO, FL 32824-7391

Mortgage

Document Number	0000514321
Date	Oct 2, 2020
Instrument	514321

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

October 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE FL
Recording Date	Oct 1, 2019
Property Address	12177 NORTHOVER LOOP, ORLANDO, FL 32824-7391
Document Number	0000610638
Instrument Date	Sep 27, 2019
Instrument	610638
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 16, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,240.99
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12177 NORTHOVER LOOP ORLANDO FL 328247391, ORLANDO, FL 32824-7391

Mortgage

Document Number	610639
Date	Oct 1, 2019
Instrument	610639

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 30, 2049

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		$448,920 (-0.28%) Land $105,000 Building $343,920	$448,920 (-1.11%) Land $105,000 Building $343,920
2025	$7,012.00 (+4.35%) Homeowner's exemption	$450,194 (+55.75%)	$453,950 (+5.57%) Land $105,000 Building $348,950
2024	$6,720.00 (+61.66%)
2023	$4,157.00 (+3.74%) Homeowner's exemption	$289,041 (+3%)	$429,990 (+21.9%) Land $105,000 Building $324,990
2022	$4,007.00 Homeowner's exemption	$280,622	$352,747 Land $80,000 Building $272,747

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 100 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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