12489 Northover Loop, Orlando, FL 32824 Property Records

Orange County property record for 12489 Northover Loop, Orlando, FL 32824 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,224 sqft · built 2018
Lot Size	0.209 acres (9,092 sqft)
Owner	Individual Name on File
Last Sale	$326,192 (Nov 2018)
Tax Bill	$4,922 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-24-30-7632-02-730`

Property Details

APN / Parcel Number

Primary APN	`29-24-30-7632-02-730`
Alternative APNs	`302429763202730` `576088` `581947` `586662`

Interior

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	Carpet
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	9,092 sqft (0.209 acres)
Garage Type	Attached
Garage Area	500 sqft
Porch	Slab
Porch Area	261 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12489 NORTHOVER LOOP
City	ORLANDO
State	FL
Zip	32824-7392
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOMERSET PARK PHASE 3 91/87 LOT 273
Legal Range	30E
Legal Township	24S
Legal Section	29
Legal Subdivision	SOMERSET PK PH 3
Legal Phase	3
Legal Block	2
Legal Lot Number	273
Jurisdiction	ORANGE FL
Township / Civil Division	ORLANDO
Census Block Group	2
Census Block	2000
Census Tract	16811

Owner

Source: Orange County records · APN 29-24-30-7632-02-730

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	Individual Name on File
Mailing Address	12489 NORTHOVER LOOP, ORLANDO, FL 32824-7392
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE CORP
Jun 10, 2020	Deed of Trust, Mortgage · Conventional with PMI UNION HM MTG CORP
Nov 05, 2018	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FBC MORTGAGE LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 05, 2018 · Amount on Record
Deed Sale	Nov 05, 2018 · Amount on Record
Deed Document Number	2018646806
Record Updated	Jun 08, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12489 NORTHOVER LOOP, ORLANDO, FL 32824-7392
Transaction Type	Mortgage
Record Updated	Dec 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12489 NORTHOVER LOOP, ORLANDO, FL 32824-7392

Mortgage

Document Number	20210717166
Date	Nov 22, 2021
Instrument	20210717166

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12489 NORTHOVER LOOP, ORLANDO, FL 32824-7392
Document Number	0000333171
Instrument Date	Jun 10, 2020
Transaction Type	Mortgage
Record Updated	Jul 02, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12489 NORTHOVER LOOP ORLANDO FL 328247392, ORLANDO, FL 32824-7392

Mortgage

Document Number	0000333171
Date	Jun 16, 2020
Instrument	333171

Lender

Name	UNION HM MTG CORP
Address	STRONGSVILLE, OH 44136

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 15, 2050

November 2018: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Nov 05, 2018
Property Address	12489 NORTHOVER LOOP, ORLANDO, FL 32824-7392
Document Number	0000646806
Map Reference	MB 91 PG 87
Instrument Date	Nov 02, 2018
Instrument	20180646806
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 03, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,283.40
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	12489 NORTHOVER LOOP, ORLANDO, FL 32824-7392

Mortgage

Document Number	0000646807
Date	Nov 05, 2018
Instrument	20180646807

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2048

Tax Assessment & Valuation

Source: Orange County records · Assessment roll updated April 30, 2026 · Last verified May 2026

Property Jurisdictions

Type	Name
State	Florida
County	Orange County
Unified School District	Orange County School District (PK - 12)

Tax Bill & Assessment History

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		$329,340 (+2.7%)	$479,030 (-1.13%) Land $105,000 Building $374,030
2025	$4,922.00 (+5.01%) Homeowner's exemption	$320,682 (+5.99%)	$484,500 (+9.05%) Land $105,000 Building $379,500
2024	$4,687.00 (+7.33%)
2023	$4,367.00 (+3.7%) Homeowner's exemption	$302,567 (+3%)	$444,299 (+21.53%) Land $105,000 Building $339,299
2022	$4,211.00 Homeowner's exemption	$293,754	$365,577 Land $80,000 Building $285,577

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Orange County (12095C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120950168112, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 41 individual NFIP policies nearby
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

Wildfire Risk	Low above 34% of the US · above 8% of Florida
Wildfire Likelihood	About 1 in 2,632 per year
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 320 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Cable	2,000 / 250
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Orlando Telephone Company. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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