12315 Northover Loop, Orlando, FL 32824 Property Records

Orange County property record for 12315 Northover Loop, Orlando, FL 32824

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,427 sqft · built 2019
Lot Size	0.181 acres (7,880 sqft)
Owner	2 Individual Names on Record
Last Sale	$340,334 (Jul 2019)
Tax Bill	$5,121 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jul 2019 Sale & Mortgage + 2 more
Flood Zone	Zone A (high risk)
APN	`29-24-30-7632-02-470`

Property Details

APN / Parcel Number

Primary APN	`29-24-30-7632-02-470`
Alternative APNs	`302429763202470` `576056` `581915` `586630`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,427 sqft Living Area
Gross Area	3,461 sqft
1st Floor Area	1,428 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Concrete Block/Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,880 sqft (0.181 acres)
Garage Type	Attached
Garage Area	483 sqft
Porch	Slab
Porch Area	295 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12315 NORTHOVER LOOP
City	ORLANDO
State	FL
Zip	32824-7392
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	SOMERSET PARK PHASE 3 91/87 LOT 247
Legal Range	30E
Legal Township	24S
Legal Section	29
Legal Subdivision	SOMERSET PK PH 3
Legal Phase	3
Legal Block	2
Legal Lot Number	247
Jurisdiction	ORANGE FL
Township / Civil Division	ORLANDO
Census Block Group	2
Census Block	2000
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	2 Individual Names on Record
Mailing Address	12315 NORTHOVER LOOP, ORLANDO, FL 32824-7392
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2021	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE EQUITY PARTNERS LLC
Jul 1, 2019	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FBC MORTGAGE LLC
Dec 29, 2017	Grant Deed, Transfer ATTORNEY ONLY
Dec 29, 2017	Loan Modification, Mortgage · Line of Credit SUNGATE CAP FNDG 5 LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2019 · Amount on Record
Deed Sale	Jul 1, 2019 · Amount on Record
Deed Document Number	2019401932
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12315 NORTHOVER LOOP, ORLANDO, FL 32824-7392
Transaction Type	Mortgage
Record Updated	Apr 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12315 NORTHOVER LOOP, ORLANDO, FL 32824-7392

Mortgage

Document Number	20210184217
Date	Mar 31, 2021
Instrument	20210184217

Lender

Name	MORTGAGE EQUITY PARTNERS LLC
Type	Mortgage Company
Address	LYNNFIELD, MA 01940

Agreement

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

July 2019: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jul 1, 2019
Property Address	12315 NORTHOVER LOOP, ORLANDO, FL 32824-7392
Document Number	0000401932
Map Reference	MB 91 PG 87
Instrument Date	Jun 28, 2019
Instrument	20190401932
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 3, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,382.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6900 TAVISTOCK LAKES BLVD STE 200, 6900, ORLANDO, FL 32827-7591

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12315 NORTHOVER LOOP, ORLANDO, FL 32824-7392

Mortgage

Document Number	0000401933
Date	Jul 1, 2019
Instrument	20190401933

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE FL
Recording Date	Dec 29, 2017
Property Address	12315 NORTHOVER LOOP, ORLANDO, FL 32824-7392
Document Number	0000705526
Instrument Date	Dec 29, 2017
Instrument	705526
Transaction Type	Transfer
Record Updated	Jan 16, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$6,972.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4776 NEW BROAD ST #150 ORLANDO FL 328146407, 150, ORLANDO, FL 32814-6407
Investor	Possibly a Property Investor

December 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ORANGE FL
Recording Date	Dec 29, 2017
Property Address	12315 NORTHOVER LOOP, ORLANDO, FL 32824-7392
Instrument Date	Dec 29, 2017
Instrument	705531
Transaction Type	Mortgage
Record Updated	Jan 16, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4776 NEW BROAD ST #150 ORLANDO FL 328146407, 150, ORLANDO, FL 32814-6407
Investor	Possibly a Property Investor

Mortgage

Document Number	0000705531
Date	Dec 29, 2017
Instrument	705531

Lender

Name	SUNGATE CAP FNDG 5 LLC
Address	3300 UNIVERSITY BLVD # 218, WINTER PARK, FL 32792-7435

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$342,029 (+2.7%)	$509,770 (-1.14%) Land $105,000 Building $404,770
2025	$5,121.00 (+4.92%) Homeowner's exemption	$333,037 (+5.99%)	$515,670 (+10.54%) Land $105,000 Building $410,670
2024	$4,881.00 (+7.32%)
2023	$4,548.00 (+3.67%) Homeowner's exemption	$314,224 (+3%)	$466,481 (+21.68%) Land $105,000 Building $361,481
2022	$4,387.00 Homeowner's exemption	$305,072	$383,375 Land $80,000 Building $303,375

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	Moderate above 56% of the US · lower than 72% of Florida
Wildfire Likelihood	0.1% 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 87 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Summit Broadband.

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