12398 Northover Loop, Orlando, FL 32824 Property Records

Orange County property record for 12398 Northover Loop, Orlando, FL 32824

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,190 sqft · built 2018
Lot Size	0.147 acres (6,385 sqft)
Owner	2 Individual Names on Record
Last Sale	$326,300 (Jun 2018)
Tax Bill	$4,567 (2025)
Deeds & Mortgages	Apr 2021 Sale Oct 2019 Line of Credit + 2 more
Flood Zone	Zone A (high risk)
APN	`29-24-30-7632-02-880`

Property Details

APN / Parcel Number

Primary APN	`29-24-30-7632-02-880`
Alternative APNs	`302429763202880` `576106` `581967` `586680`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,190 sqft Living Area
Gross Area	2,787 sqft
1st Floor Area	2,190 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Concrete Block/Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,385 sqft (0.147 acres)
Garage Type	Attached
Garage Area	441 sqft
Porch	Slab
Porch Area	156 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12398 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 288
Legal Range	30E
Legal Township	24S
Legal Section	29
Legal Subdivision	SOMERSET PK PH 3
Legal Phase	3
Legal Block	2
Legal Lot Number	288
Jurisdiction	ORANGE FL
Township / Civil Division	ORLANDO
Census Block Group	2
Census Block	2010
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	12398 NORTHOVER LOOP, ORLANDO, FL 32824-7392
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2021	Warranty Deed, Transfer ROSEMONT TITLE INS AGCY LLC
Oct 3, 2019	Deed of Trust, Mortgage · Line of Credit SUNTRUST BK
Jun 1, 2018	Grant Deed, Subdivision Related Transfer M/I TITLE AGENCY LIMITED LC
Dec 14, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2018 · Amount on Record
Deed Sale	Jun 1, 2018 · Amount on Record
Deed Document Number	2018322134
Record Updated	Oct 29, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Apr 1, 2021
Property Address	12398 NORTHOVER LOOP, ORLANDO, FL 32824-7392
Document Number	20210186708
Map Reference	MB 69 PG 20-27
Instrument Date	Mar 30, 2021
Instrument	20210186708
Transaction Type	Transfer
Record Updated	Apr 23, 2021
Title Company	ROSEMONT TITLE INS AGCY LLC

Transaction

Amount	Amount Recorded
Tax	$2,100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5117 JONES RD, 5117, SAINT CLOUD, FL 34771-9543

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12398 NORTHOVER LOOP, ORLANDO, FL 32824-7392

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12398 NORTHOVER LOOP, ORLANDO, FL 32824-7392
Document Number	0000639861
Instrument Date	Oct 3, 2019
Transaction Type	Mortgage
Record Updated	Oct 25, 2019
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12398 NORTHOVER LOOP ORLANDO FL 328247392, ORLANDO, FL 32824-7392

Mortgage

Document Number	0000639861
Date	Oct 11, 2019
Instrument	639861

Lender

Name	SUNTRUST BK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 10, 2049

Interest

Rate Type	Adjustable Rate

June 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE FL
Recording Date	Jun 1, 2018
Property Address	12398 NORTHOVER LOOP, ORLANDO, FL 32824-7392
Document Number	0000322134
Instrument Date	May 31, 2018
Instrument	322134
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 2, 2018
Title Company	M/I TITLE AGENCY LIMITED LC

Transaction

Amount	Amount Recorded
Tax	$2,284.10
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12398 NORTHOVER LOOP ORLANDO FL 328247392, ORLANDO, FL 32824-7392

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE FL
Recording Date	Dec 14, 2017
Property Address	12398 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		$306,742 (+2.7%)	$463,910 (-1.13%) Land $105,000 Building $358,910
2025	$4,567.00 (+5.18%) Homeowner's exemption	$298,678 (+5.99%)	$469,190 (+10.25%) Land $105,000 Building $364,190
2024	$4,342.00 (+7.34%)
2023	$4,045.00 (+3.77%) Homeowner's exemption	$281,806 (+3%)	$425,561 (+21.92%) Land $105,000 Building $320,561
2022	$3,898.00 Homeowner's exemption	$273,598	$349,046 Land $80,000 Building $269,046

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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