Orange County property record for 12278 Northover Loop, Orlando, FL 32824
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,092 sqft · built 2018 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $315,600 (Apr 2018) |
| Tax Bill | $4,298 (2025) |
| Deeds & Mortgages | Feb 2026 Second Mortgage Jan 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-24-30-7632-02-990 |
| Primary APN | 29-24-30-7632-02-990 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,092 sqft Living Area |
| Gross Area | 2,740 sqft |
| 1st Floor Area | 2,092 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,000 sqft (0.138 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Porch | Slab |
| Porch Area | 228 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 12278 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 299 |
| Legal Range | 30E |
| Legal Township | 24S |
| Legal Section | 29 |
| Legal Subdivision | SOMERSET PK PH 3 |
| Legal Phase | 3 |
| Legal Block | 2 |
| Legal Lot Number | 299 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | ORLANDO |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 16811 |
Source: Orange County records · APN 29-24-30-7632-02-990
Assessment roll updated April 30, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 12278 NORTHOVER LOOP, ORLANDO, FL 32824-7391 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 04, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage LOANDEPOT.COM LLC |
| Jan 07, 2022 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAS MONEY SOURCE |
| Apr 25, 2018 | Warranty Deed, Subdivision Related Transfer · Conventional with PMI M&I FIN'L |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 25, 2018 · Amount on Record |
| Deed Sale | Apr 25, 2018 · Amount on Record |
| Deed Document Number | 2018246077 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 12278 NORTHOVER LOOP, ORLANDO, FL 32824-7391 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | 12278 NORTHOVER LOOP, ORLANDO, FL 32824-7391 |
| Document Number | 0000066304 |
|---|---|
| Date | Feb 04, 2026 |
| Instrument | 20260066304 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92618 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 234 Months |
| Due | Aug 01, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 12278 NORTHOVER LOOP, ORLANDO, FL 32824-7391 |
| Transaction Type | Mortgage |
| Record Updated | Jan 31, 2022 |
| Title Company | VIC FIDELITY TITLE COMPANY, VIC FIDELITY TITLE CORP |
| Name | Verified Name |
|---|---|
| Address | 12278 NORTHOVER LOOP, ORLANDO, FL 32824-7391 |
| Document Number | 0000015846 |
|---|---|
| Date | Jan 07, 2022 |
| Instrument | 20220015846 |
| Name | AMERICAS MONEY SOURCE |
|---|---|
| Type | Non-Lending Institution |
| Address | ORLANDO, FL 32806 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Dec 01, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Apr 25, 2018 |
| Property Address | 12278 NORTHOVER LOOP, ORLANDO, FL 32824-7391 |
| Document Number | 0000246077 |
| Instrument Date | Mar 24, 2018 |
| Instrument | 246077 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Sep 10, 2019 |
| Title Company | M/I TITLE AGENCY LIMITED LC, M/I TITLE AGENCY LTD LC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,209.20 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 12278 NORTHOVER LOOP ORLANDO FL 328247391, ORLANDO, FL 32824-7391 |
| Document Number | 246078 |
|---|---|
| Date | Apr 25, 2018 |
| Instrument | 246078 |
| Name | M&I FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBUS, OH 43219 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 24, 2048 |
Source: Orange County records · Assessment roll updated April 30, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Unified School District | Orange County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $289,680 (+2.7%) | $444,700 (-1.1%) Land $105,000 Building $339,700 | |
| 2025 | $4,298.00 (+5.32%) Homeowner's exemption | $282,064 (+5.99%) | $449,640 (+11.07%) Land $105,000 Building $344,640 |
| 2024 | $4,081.00 (+7.34%) | ||
| 2023 | $3,802.00 (+3.85%) Homeowner's exemption | $266,131 (+3%) | $404,826 (+22.06%) Land $105,000 Building $299,826 |
| 2022 | $3,661.00 Homeowner's exemption | $258,380 | $331,662 Land $80,000 Building $251,662 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Low lower than 66% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Orlando Telephone Company.
Based on FCC filings for 320 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | OCUD/SOUTHERN WATER SYS (5 WPS) serves 80,738 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2024 |
| Lead | 2 ppb (2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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