12202 McKinnon Rd, Windermere, FL 34786 Property Records

Orange County property record for 12202 McKinnon Rd, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,063 sqft · built 1992
Lot Size	0.858 acres (37,393 sqft)
Owner	2 Individual Names on File
Last Sale	$1,200,000 (Oct 2023)
Tax Bill	$12,828 (2025)
Deeds & Mortgages	Oct 2026 Line of Credit Oct 2025 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`01-23-27-0000-00-021`

Property Details

APN / Parcel Number

Primary APN	`01-23-27-0000-00-021`
Alternative APNs	`272301000000021` `130702` `131485` `133000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,063 sqft Living Area
Gross Area	4,410 sqft
1st Floor Area	2,191 sqft
Utility Area	5 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Stone/Wood Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	37,393 sqft (0.858 acres)
Garage Type	Attached
Garage Area	702 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	486 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12202 MCKINNON RD
City	WINDERMERE
State	FL
Zip	34786-6119
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 825 FT M/L W FRO M SE COR OF NE 1/4 TH W 78 FT N 55 DEG W 476 FT TO S LINE OF CO RD TH NLY ALONG R/W 131.6 FT TH S 47 DEG E 481 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	1005
Census Tract	17115

Owner

12202 McKinnon Rd is owned and occupied by two individuals who bought it in October 2023.

Source: Orange County records, as of October 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12202 MCKINNON RD, WINDERMERE, FL 34786-6119
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2026	Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK
Oct 17, 2025	Deed of Trust, Mortgage · Conventional Mortgage SOUTHSTATE BANK NA
Oct 13, 2023	Warranty Deed, Transfer · Conventional Mortgage SOUTH STATE BANK NA
Jun 8, 2023	Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 13, 2023 · Amount on File
Deed Sale	Oct 13, 2023 · Amount on File
Deed Document Number	2023593666
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Recording Date	Oct 2, 2026
Property Address	12202 MCKINNON RD, WINDERMERE, FL 34786-6119
Document Number	0000549820
Instrument Date	Sep 14, 2026
Instrument	2026549820
Transaction Type	Mortgage
Record Updated	Oct 14, 2026
Title Company	CSC DOCUMENT RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12202 MCKINNON RD, WINDERMERE, FL 34786-6119

Mortgage

Document Number	0000549820,
Date	Oct 2, 2026
Instrument	2026549820

Lender

Name	SOUTH STATE BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 20, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12202 MCKINNON RD, WINDERMERE, FL 34786-6119
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12202 MCKINNON RD, WINDERMERE, FL 34786-6119

Mortgage

Document Number	0000603601
Date	Oct 17, 2025
Instrument	20250603601

Lender

Name	SOUTHSTATE BANK NA
Type	Bank
Address	CHARLESTON, SC 29406

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2055

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Oct 13, 2023
Property Address	12202 MCKINNON RD, WINDERMERE, FL 34786-6119
Document Number	0000593666
Map Reference	MB 4040 PG2866&2867
Instrument Date	Sep 27, 2023
Instrument	20230593666
Transaction Type	Transfer
Record Updated	Oct 30, 2023
Title Company	EQUITABLE TITLE/DR PHILLIPS LL, EQUITABLE TTL OF DR PHILLIPS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12202 MCKINNON RD, WINDERMERE, FL 34786-6119

Mortgage

Document Number	0000593667
Date	Oct 13, 2023
Instrument	20230593667

Lender

Name	SOUTH STATE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2053

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12202 MCKINNON RD, WINDERMERE, FL 34786-6119
Transaction Type	Mortgage
Record Updated	Jun 23, 2023
Title Company	EQUITABLE TITLE/DR PHILLIPS LL, EQUITABLE TTL OF DR PHILLIPS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12202 MCKINNON RD, WINDERMERE, FL 34786-6119

Mortgage

Document Number	0000321197
Date	Jun 8, 2023
Instrument	20230321197

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	WINTER HAVEN, FL 33880

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	17 Months
Due	Nov 20, 2024

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 12202 McKinnon Rd was $12,828, up 3.6% from the year before.

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		$832,565 (+2.7%)	$1,081,640 (-0.97%) Land $525,000 Building $556,640
2025	$12,828.00 (+3.64%) Homeowner's exemption	$810,677	$1,092,250 Land $525,000 Building $567,250
2024	$12,378.00 (+60.23%)
2023	$7,725.00 (+3.28%) Homeowner's exemption	$519,115 (+3%)	$864,192 (+32.32%) Land $360,000 Building $504,192
2022	$7,480.00 Homeowner's exemption	$503,995	$653,098 Land $260,000 Building $393,098

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 12202 McKinnon Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File 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

Wildfire risk around 12202 McKinnon Rd is low, with a 0.07% annual chance of 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