12351 Northover Loop, Orlando, FL 32824 Property Records

Orange County property record for 12351 Northover Loop, Orlando, FL 32824

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 3,450 sqft · built 2018
Lot Size	0.165 acres (7,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$675,000 (Jul 2026)
Tax Bill	$11,386 (2025)
Deeds & Mortgages	Jul 2026 Sale & Construction Loan Jul 2023 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`29-24-30-7632-02-510`

Property Details

APN / Parcel Number

Primary APN	`29-24-30-7632-02-510`
Alternative APNs	`302429763202510` `576060` `581920` `586635`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	3,450 sqft Living Area
Gross Area	4,868 sqft
1st Floor Area	1,757 sqft
Flooring	Wood
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	7,200 sqft (0.165 acres)
Garage Type	Attached
Garage Area	651 sqft
Porch	Finished/Open Porch
Porch Area	320 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12351 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 251
Legal Range	30E
Legal Township	24S
Legal Section	29
Legal Subdivision	SOMERSET PK PH 3
Legal Phase	3
Legal Block	2
Legal Lot Number	251
Jurisdiction	ORANGE FL
Township / Civil Division	ORLANDO
Census Block Group	2
Census Block	2000
Census Tract	16811

Owner

Source: Orange County records, as of July 15, 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	12351 NORTHOVER LOOP, ORLANDO, FL 32824-7392
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2026	Warranty Deed, Transfer · Construction Mortgage CITRUS CLOSING
Jul 13, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage THE MIGUEL CINTRON CORTES AND ELIZABETH
Sep 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage MY MORTGAGE INC
Feb 6, 2019	Warranty Deed, Subdivision Related Transfer · Balloon Mortgage CAPITAL FUNDING
Dec 14, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2026 · Amount on Record
Deed Sale	Jul 2, 2026 · Amount on Record
Prior Sale	Jul 13, 2023 · Amount on Record
Deed Document Number	2026369360
Prior Transfer Date	Jul 3, 2023
Prior Transfer Doc	0000391052
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jul 2, 2026
Property Address	12351 NORTHOVER LOOP, ORLANDO, FL 32824-7392
Document Number	0000369360
Instrument Date	Jun 30, 2026
Instrument	2026369360
Transaction Type	Transfer
Record Updated	Jul 15, 2026
Title Company	CITRUS CLOSING

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$477,225.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12351 NORTHOVER LOOP, ORLANDO, FL 32824-7392

Mortgage

Document Number	0000369361,
Date	Jul 2, 2026
Instrument	2026369361

Lender

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jun 30, 2027

Interest

Rate	6.51%
Max Rate	-1%

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12351 NORTHOVER LOOP, ORLANDO, FL 32824-7392
Transaction Type	Mortgage
Record Updated	Aug 1, 2023
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000391053
Date	Jul 13, 2023
Instrument	20230391053

Lender

Name	THE MIGUEL CINTRON CORTES AND ELIZABETH
Type	Private Party
Address	14978 FELLS LN, ORLANDO, FL 32827

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	17 Months
Due	Dec 1, 2024

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12351 NORTHOVER LOOP, ORLANDO, FL 32824-7392
Transaction Type	Mortgage
Record Updated	Sep 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12351 NORTHOVER LOOP, ORLANDO, FL 32824-7392

Mortgage

Document Number	20210547771
Date	Sep 8, 2021
Instrument	20210547771

Lender

Name	MY MORTGAGE INC
Type	Mortgage Company
Address	CROFTON, MD 21114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

February 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Feb 6, 2019
Property Address	12351 NORTHOVER LOOP, ORLANDO, FL 32824-7392
Document Number	0000075155
Map Reference	MB 91 PG 87-95
Instrument Date	Jan 31, 2019
Instrument	20190075155
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 3, 2022
Title Company	MI TITLE AGENCY LTD LC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,551.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	400 INTERNATIONAL PKWY STE 470, 400, LAKE MARY, FL 32746-5054

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19325 PUMMELO DR, ORLANDO, FL 32827-7457

Mortgage

Document Number	0000075156
Date	Feb 6, 2019
Instrument	20190075156

Lender

Name	CAPITAL FUNDING
Type	Mortgage Company

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Feb 1, 2020

Interest

Rate Type	Fixed Rate
Rate	10.7%

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE FL
Recording Date	Dec 14, 2017
Property Address	12351 NORTHOVER LOOP, ORLANDO, FL 32824-7392
Document Number	0000681004
Instrument Date	Dec 13, 2017
Instrument	681004
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$5,376.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	400 INTERNATIONAL PKWY #470 LAKE MARY FL 327465054, 470, LAKE MARY, FL 32746-5054
Investor	Possibly a Property Investor

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		$672,470 (-1.23%) Land $105,000 Building $567,470	$672,470 (-1.23%) Land $105,000 Building $567,470
2025	$11,386.00 (+6.12%)	$680,830 (+12.58%) Land $105,000 Building $575,830	$680,830 (+12.58%) Land $105,000 Building $575,830
2024	$10,729.00 (+21.69%)
2023	$8,817.00 (+14.37%)	$604,726 (+21.09%) Land $105,000 Building $499,726	$604,726 (+21.09%) Land $105,000 Building $499,726
2022	$7,709.00	$499,406 Land $80,000 Building $419,406	$499,406 Land $80,000 Building $419,406

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 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

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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