12194 Northover Loop, Orlando, FL 32824 Property Records

Orange County property record for 12194 Northover Loop, Orlando, FL 32824

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,190 sqft · built 2017
Lot Size	0.186 acres (8,118 sqft)
Owner	Individual Name on Record
Last Sale	$397,000 (Mar 2021)
Tax Bill	$5,987 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`29-24-30-7632-03-190`

Property Details

APN / Parcel Number

Primary APN	`29-24-30-7632-03-190`
Alternative APNs	`302429763203190` `576143` `582004` `586719`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,190 sqft Living Area
Gross Area	3,031 sqft
1st Floor Area	2,190 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Concrete Block/Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,118 sqft (0.186 acres)
Garage Type	Attached
Garage Area	651 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	190 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12194 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 319
Legal Range	30E
Legal Township	24S
Legal Section	29
Legal Subdivision	SOMERSET PK PH 3
Legal Phase	3
Legal Block	3
Legal Lot Number	319
Jurisdiction	ORANGE FL
Township / Civil Division	ORLANDO
Census Block Group	2
Census Block	2009
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	12194 NORTHOVER LOOP, ORLANDO, FL 32824-7391
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2022	Deed of Trust, Mortgage · Line of Credit FAIRWINDS CU
Mar 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT MORTGAGE CORP
Oct 17, 2018	Grant Deed M/I TITLE AGENCY LIMITED LC
Dec 26, 2017	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage M&I FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 15, 2021 · Amount on Record
Deed Sale	Mar 15, 2021 · Amount on Record
Prior Sale	Dec 26, 2017 · Amount on Record
Deed Document Number	2021145772
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12194 NORTHOVER LOOP, ORLANDO, FL 32824-7391
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	MORTGAGEE TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12194 NORTHOVER LOOP, ORLANDO, FL 32824-7391

Mortgage

Document Number	0000633123
Date	Oct 18, 2022
Instrument	20220633123

Lender

Name	FAIRWINDS CU
Type	Credit Union
Address	ORLANDO, FL 32826

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Oct 13, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12194 NORTHOVER LOOP, ORLANDO, FL 32824-7391
Transaction Type	Mortgage
Record Updated	Apr 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12194 NORTHOVER LOOP, ORLANDO, FL 32824-7391

Mortgage

Document Number	20210145773
Date	Mar 15, 2021
Instrument	20210145773

Lender

Name	SUMMIT MORTGAGE CORP
Type	Mortgage Company
Address	MINNEAPOLIS, MN 55441

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

October 2018: Grant Deed

Document Type	Grant Deed
Jurisdiction	ORANGE FL
Recording Date	Oct 17, 2018
Property Address	12194 NORTHOVER LOOP, ORLANDO, FL 32824-7391
Document Number	0000610891
Instrument Date	Oct 17, 2018
Instrument	610891
Record Updated	Oct 31, 2018
Title Company	M/I TITLE AGENCY LIMITED LC

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	12194 NORTHOVER LOOP ORLANDO FL 328247391, ORLANDO, FL 32824-7391

December 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Dec 26, 2017
Property Address	12194 NORTHOVER LOOP, ORLANDO, FL 32824-7391
Document Number	0000696930
Instrument Date	Nov 27, 2017
Instrument	696930
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 9, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,469.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	12194 NORTHOVER LOOP ORLANDO FL 328247391, ORLANDO, FL 32824-7391

Mortgage

Document Number	696931
Date	Dec 26, 2017
Instrument	696931

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 25, 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		$397,129 (+2.7%)	$470,710 (-1.14%) Land $105,000 Building $365,710
2025	$5,987.00 (+4.61%) Homeowner's exemption	$386,688 (+5.99%)	$476,130 (+10.29%) Land $105,000 Building $371,130
2024	$5,723.00 (+7.31%)
2023	$5,333.00 (+3.51%) Homeowner's exemption	$364,845 (+3%)	$431,726 (+21.88%) Land $105,000 Building $326,726
2022	$5,152.00 Homeowner's exemption	$354,218 Land $80,000 Building $274,218	$354,218 Land $80,000 Building $274,218

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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