12297 Northover Loop, Orlando, FL 32824 Property Records

Orange County property record for 12297 Northover Loop, Orlando, FL 32824

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,280 sqft · built 2018
Lot Size	0.199 acres (8,669 sqft)
Owner	Individual Name on Record
Last Sale	$530,000 (Mar 2023)
Tax Bill	$7,482 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Dec 2018 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`29-24-30-7632-02-440`

Property Details

APN / Parcel Number

Primary APN	`29-24-30-7632-02-440`
Alternative APNs	`302429763202440` `576052` `581911` `586627`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,280 sqft Living Area
Gross Area	2,997 sqft
1st Floor Area	1,081 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,669 sqft (0.199 acres)
Garage Type	Attached
Garage Area	420 sqft
Porch	Finished/Open Porch
Porch Area	45 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12297 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 244
Legal Range	30E
Legal Township	24S
Legal Section	29
Legal Subdivision	SOMERSET PK PH 3
Legal Phase	3
Legal Block	2
Legal Lot Number	244
Jurisdiction	ORANGE FL
Township / Civil Division	ORLANDO
Census Block Group	2
Census Block	2000
Census Tract	16811

Owner

Source: Orange County records, as of April 30, 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	1834 DERBY GLEN DR, ORLANDO, FL 32837-8102
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2023	Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING
Dec 4, 2018	Grant Deed, Subdivision Related Transfer · Conventional Mortgage CITADEL SVCNG CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 27, 2023 · Amount on Record
Deed Sale	Mar 27, 2023 · Amount on Record
Prior Sale	Dec 4, 2018 · Amount on Record
Deed Document Number	2023168930
Record Updated	Jun 8, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Mar 27, 2023
Property Address	12297 NORTHOVER LOOP, ORLANDO, FL 32824-7391
Document Number	0000168930
Map Reference	MB 91 PG 87-95
Instrument Date	Mar 24, 2023
Instrument	20230168930
Transaction Type	Transfer
Record Updated	Apr 6, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,710.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15437 OLD CHENEY HWY, ORLANDO, FL 32828-5191

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1834 DERBY GLEN DR, ORLANDO, FL 32837-8102

Mortgage

Document Number	0000168931
Date	Mar 27, 2023
Instrument	20230168931

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

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

December 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE FL
Recording Date	Dec 4, 2018
Property Address	12297 NORTHOVER LOOP, ORLANDO, FL 32824-7391
Document Number	0000698947
Instrument Date	Nov 30, 2018
Instrument	698947
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 21, 2018
Title Company	M/I TITLE AGENCY LIMITED LC, M/I TITLE AGENCY LTD LC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,523.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12297 NORTHOVER LOOP ORLANDO FL 328247391, ORLANDO, FL 32824-7391

Mortgage

Document Number	698948
Date	Dec 4, 2018
Instrument	698948

Lender

Name	CITADEL SVCNG CORP
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 3, 2048

Interest

Rate Type	Adjustable Rate
Rate	6.37%

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		$473,950 (-1.13%) Land $105,000 Building $368,950	$473,950 (-1.13%) Land $105,000 Building $368,950
2025	$7,482.00 (-2.53%)	$479,360 (+63.54%) Land $105,000 Building $374,360	$479,360 (+10.65%) Land $105,000 Building $374,360
2024	$7,676.00 (+81.9%)
2023	$4,220.00 (+3.71%) Homeowner's exemption	$293,120 (+3%)	$433,233 (+21.82%) Land $105,000 Building $328,233
2022	$4,069.00 Homeowner's exemption	$284,583	$355,647 Land $80,000 Building $275,647

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
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	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 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 320 locations within half a mile, as of December 31, 2025

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 Fixed Wireless	100 / 20

May also be available: Summit Broadband.

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