Orange County property record for 12405 Northover Loop, Orlando, FL 32824
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,224 sqft · built 2019 |
| Lot Size | 0.165 acres (7,202 sqft) |
| Owner | Company Name on File |
| Last Sale | $322,000 (May 2019) |
| Tax Bill | $4,876 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage Mar 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-24-30-7632-02-600 |
| Primary APN | 29-24-30-7632-02-600 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,224 sqft Living Area |
| Gross Area | 2,985 sqft |
| 1st Floor Area | 2,224 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 | 7,202 sqft (0.165 acres) |
| Garage Type | Attached |
| Garage Area | 500 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 261 sqft |
| Gazebo | Gazebo |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 12405 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 260 |
| Legal Range | 30E |
| Legal Township | 24S |
| Legal Section | 29 |
| Legal Subdivision | SOMERSET PK PH 3 |
| Legal Phase | 3 |
| Legal Block | 2 |
| Legal Lot Number | 260 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | ORLANDO |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 16811 |
Source: Orange County records · APN 29-24-30-7632-02-600
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 | Company Name on File |
|---|---|
| Mailing Address | 12405 NORTHOVER LOOP, ORLANDO, FL 32824-7392 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Nov 03, 2020 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Mar 17, 2020 | Deed of Trust, Mortgage · FHA Mortgage MR COOPER |
| May 01, 2019 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage FBC MORTGAGE LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 01, 2019 · Amount on Record |
| Deed Sale | May 01, 2019 · Amount on Record |
| Prior Sale | Jun 01, 2017 · Amount on Record |
| Deed Document Number | 2019269771 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 12405 NORTHOVER LOOP, ORLANDO, FL 32824-7392 |
| Document Number | 0000675363 |
| Instrument Date | Nov 03, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 29, 2021 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Address | 12405 NORTHOVER LOOP ORLANDO FL 328247392, ORLANDO, FL 32824-7392 |
| Document Number | 0000675363 |
|---|---|
| Date | Dec 28, 2020 |
| Instrument | 675363 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW # 20410, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 27, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 12405 NORTHOVER LOOP, ORLANDO, FL 32824-7392 |
| Document Number | 0000193274 |
| Instrument Date | Mar 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 24, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Address | 12405 NORTHOVER LOOP ORLANDO FL 328247392, ORLANDO, FL 32824-7392 |
| Document Number | 0000193274 |
|---|---|
| Date | Mar 26, 2020 |
| Instrument | 193274 |
| Name | MR COOPER |
|---|---|
| Address | DALLAS, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 25, 2050 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | May 01, 2019 |
| Property Address | 12405 NORTHOVER LOOP, ORLANDO, FL 32824-7392 |
| Document Number | 0000269771 |
| Map Reference | MB 91 PG 87 |
| Instrument Date | May 01, 2019 |
| Instrument | 20190269771 |
| 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 | $2,254.00 |
| 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 | 12405 NORTHOVER LOOP, ORLANDO, FL 32824-7392 |
| Document Number | 0000269772 |
|---|---|
| Date | May 01, 2019 |
| Instrument | 20190269772 |
| 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 | $326,446 (+2.7%) | $489,860 (-1.13%) Land $105,000 Building $384,860 | |
| 2025 | $4,876.00 (+5.02%) Homeowner's exemption | $317,864 (+5.99%) | $495,440 (+11.09%) Land $105,000 Building $390,440 |
| 2024 | $4,643.00 (+7.33%) | ||
| 2023 | $4,326.00 (+3.72%) Homeowner's exemption | $299,909 (+3%) | $445,961 (+21.79%) Land $105,000 Building $340,961 |
| 2022 | $4,171.00 Homeowner's exemption | $291,174 | $366,170 Land $80,000 Building $286,170 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 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 |
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 USA Fixed Wireless | 100 / 20 |
May also be available: Orlando Telephone Company.
Based on FCC filings for 320 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | OCUD/SOUTHERN WATER SYS (5 WPS) serves 80,738 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2024 |
| Lead | 2 ppb (2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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