Orange County property record for 12296 Northover Loop, Orlando, FL 32824 · Last verified May 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,059 sqft · built 2019 |
| Lot Size | 0.139 acres (6,037 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $302,777 (May 2019) |
| Tax Bill | $4,451 (2025) |
| Deeds & Mortgages | Sep 2025 Line of Credit Sep 2021 Mortgage + 1 more |
| Flood Zone | Zone A (high risk) |
| APN | 29-24-30-7632-02-960 |
| Primary APN | 29-24-30-7632-02-960 |
|---|---|
| Alternative APNs |
|
| 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 |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,037 sqft (0.139 acres) |
| Garage Type | Attached |
| Garage Area | 454 sqft |
| Porch | Slab |
| Porch Area | 208 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 12296 NORTHOVER LOOP |
|---|---|
| City | ORLANDO |
| State | FL |
| Zip | 32824-7391 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SOMERSET PARK PHASE 3 91/87 LOT 296 |
| Legal Range | 30E |
| Legal Township | 24S |
| Legal Section | 29 |
| Legal Subdivision | SOMERSET PK PH 3 |
| Legal Phase | 3 |
| Legal Block | 2 |
| Legal Lot Number | 296 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | ORLANDO |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 16811 |
Source: Orange County records · APN 29-24-30-7632-02-960
Assessment roll updated April 30, 2026 · Last verified May 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 | 12296 NORTHOVER LOOP, ORLANDO, FL 32824-7391 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 12, 2025 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Sep 09, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| May 06, 2019 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage FBC MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 06, 2019 · Amount on Record |
| Deed Sale | May 06, 2019 · Amount on Record |
| Deed Document Number | 2019277621 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 12296 NORTHOVER LOOP, ORLANDO, FL 32824-7391 |
| Transaction Type | Mortgage |
| Record Updated | Sep 26, 2025 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|---|
| Address | 12296 NORTHOVER LOOP, ORLANDO, FL 32824-7391 |
| Document Number | 0000530968 |
|---|---|
| Date | Sep 12, 2025 |
| Instrument | 20250530968 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Aug 29, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 12296 NORTHOVER LOOP, ORLANDO, FL 32824-7391 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2021 |
| Name | Verified Name |
|---|---|
| Address | 12296 NORTHOVER LOOP, ORLANDO, FL 32824-7391 |
| Document Number | 20210550153 |
|---|---|
| Date | Sep 09, 2021 |
| Instrument | 20210550153 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 335 Months |
| Due | Aug 01, 2049 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | May 06, 2019 |
| Property Address | 12296 NORTHOVER LOOP, ORLANDO, FL 32824-7391 |
| Document Number | 0000277621 |
| Map Reference | MB 91 PG 87 |
| Instrument Date | May 03, 2019 |
| Instrument | 20190277621 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 03, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,119.60 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6900 TAVISTOCK LAKES BLVD STE 200, 6900, ORLANDO, FL 32827-7591 |
| Name | Verified Name |
|---|---|
| Address | 12296 NORTHOVER LOOP, ORLANDO, FL 32824-7391 |
| Document Number | 0000277622 |
|---|---|
| Date | May 06, 2019 |
| Instrument | 20190277622 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2049 |
Source: Orange County records · Assessment roll updated April 30, 2026 · Last verified May 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 | $299,384 (+2.7%) | $458,990 (-1.11%) Land $105,000 Building $353,990 | |
| 2025 | $4,451.00 (+5.25%) Homeowner's exemption | $291,513 (+5.99%) | $464,150 (+10.78%) Land $105,000 Building $359,150 |
| 2024 | $4,229.00 (+7.34%) | ||
| 2023 | $3,940.00 (+3.79%) Homeowner's exemption | $275,046 (+3%) | $418,969 (+21.97%) Land $105,000 Building $313,969 |
| 2022 | $3,796.00 Homeowner's exemption | $267,035 | $343,515 Land $80,000 Building $263,515 |
Source: FEMA National Flood Hazard Layer, Orange County (12095C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120950168112, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone A |
|---|---|
| Special Flood Hazard Area | Yes |
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Flood Insurance Cost | Premium on Record median of 41 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 41 in force 37 of 41 on primary residences |
| Nearby Flood Claims | 1 (2026) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2026, rainfall accumulation |
| Wildfire Risk | Low above 34% of the US · above 8% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 2,632 per year |
| 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.
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