12428 Northover Loop, Orlando, FL 32824 Property Records

Orange County property record for 12428 Northover Loop, Orlando, FL 32824

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,819 sqft · built 2019
Lot Size	0.139 acres (6,065 sqft)
Owner	2 Individual Names on File
Last Sale	$352,474 (Jul 2019)
Tax Bill	$8,856 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-24-30-7632-02-830`

Property Details

APN / Parcel Number

Primary APN	`29-24-30-7632-02-830`
Alternative APNs	`302429763202830` `576099` `581960` `586673`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,819 sqft Living Area
Gross Area	3,859 sqft
1st Floor Area	1,449 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,065 sqft (0.139 acres)
Garage Type	Attached
Garage Area	483 sqft
Porch	Florida Room
Porch Area	235 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12428 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 283
Legal Range	30E
Legal Township	24S
Legal Section	29
Legal Subdivision	SOMERSET PK PH 3
Legal Phase	3
Legal Block	2
Legal Lot Number	283
Jurisdiction	ORANGE FL
Township / Civil Division	ORLANDO
Census Block Group	2
Census Block	2010
Census Tract	16811

Owner

Source: Orange County assessment roll, 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	2 Individual Names on File
Mailing Address	12428 NORTHOVER LOOP, ORLANDO, FL 32824-7392
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage GOLD STAR MTG FIN'L
Jul 1, 2019	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 1, 2019 · Amount on Record
Deed Sale	Jul 1, 2019 · Amount on Record
Prior Sale	Jun 1, 2017 · Amount on Record
Deed Document Number	2019403800
Last Transfer Date	Feb 15, 2025
Transfer Doc	0000101534
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12428 NORTHOVER LOOP, ORLANDO, FL 32824-7392
Document Number	0000414740
Instrument Date	Jul 31, 2020
Transaction Type	Mortgage
Record Updated	Aug 21, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7624 116TH AVE NE KIRKLAND WA 980338101, KIRKLAND, WA 98033-8101

Mortgage

Document Number	0000414740
Date	Aug 6, 2020
Instrument	414740

Lender

Name	GOLD STAR MTG FIN'L
Type	Mortgage Company
Address	ANN ARBOR, MI 48108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 5, 2035

July 2019: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jul 1, 2019
Property Address	12428 NORTHOVER LOOP, ORLANDO, FL 32824-7392
Document Number	0000403800
Map Reference	MB 91 PG 87
Instrument Date	Jun 28, 2019
Instrument	20190403800
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 3, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,467.50
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	7624 116TH AVE NE, KIRKLAND, WA 98033-8101

Mortgage

Document Number	0000403801
Date	Jul 1, 2019
Instrument	20190403801

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

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		$549,260 (+9.2%) Land $105,000 Building $444,260	$549,260 (-1.16%) Land $105,000 Building $444,260
2025	$8,856.00 (+8.82%)	$502,993 (+0.78%)	$555,700 (+11.34%) Land $105,000 Building $450,700
2024	$8,138.00 (+12.26%)
2023	$7,249.00 (+14.55%)	$499,094 (+21.51%) Land $105,000 Building $394,094	$499,094 (+21.51%) Land $105,000 Building $394,094
2022	$6,328.00	$410,750 Land $80,000 Building $330,750	$410,750 Land $80,000 Building $330,750

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 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

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

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 USA Fixed Wireless	100 / 20

May also be available: Orlando Telephone Company.

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