12509 Cragside Ln, Windermere, FL 34786 Property Records

Orange County property record for 12509 Cragside Ln, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,795 sqft · built 2003
Lot Size	0.176 acres (7,665 sqft)
Owner	Individual Name on File
Last Sale	$235,000 (Aug 2011)
Tax Bill	$9,709 (2025)
Deeds & Mortgages	Sep 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-23-27-5427-00-760`

Property Details

APN / Parcel Number

Primary APN	`24-23-27-5427-00-760`
Alternative APNs	`272324542700760` `146014` `147182` `149304`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,795 sqft Living Area
Gross Area	3,959 sqft
1st Floor Area	1,500 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,665 sqft (0.176 acres)
Garage Type	Attached
Garage Area	530 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	365 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12509 CRAGSIDE LN
City	WINDERMERE
State	FL
Zip	34786-6613
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	LAKES OF WINDERMERE PH 1 49/108 LOT 76
Legal Range	27E
Legal Township	23S
Legal Section	24
Legal Subdivision	LAKES OF WINDERMERE PH 1
Legal Phase	1
Legal Tract	5427
Legal Lot Number	76
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1054
Census Tract	17112

Owner

Source: Orange County records · APN 24-23-27-5427-00-760

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	10 METTOWEE FARMS CT, UPPER SADDLE RIVER, NJ 07458-2125
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 02, 2011 · Amount on Record
Deed Sale	Aug 02, 2011 · Amount on Record
Prior Sale	Nov 06, 2009 · Amount on Record
Deed Document Number	2011404688
Deed Book / Page	10248 / 5732
Record Updated	Jun 08, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12509 CRAGSIDE LN, WINDERMERE, FL 34786-6613
Transaction Type	Mortgage
Record Updated	Jan 03, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 METTOWEE FARMS CT, UPPER SADDLE RIVER, NJ 07458-2125

Mortgage

Document Number	0000580215
Date	Sep 23, 2021
Instrument	20210580215

Lender

Name	ALLY BANK
Type	Bank
Address	CHARLOTTE, NC 28202

Agreement

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

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		$548,080 (+5.89%) Land $125,000 Building $423,080	$548,080 (-8.56%) Land $125,000 Building $423,080
2025	$9,709.00 (+8.37%)	$517,586 (-1.75%)	$599,370 (+13.78%) Land $125,000 Building $474,370
2024	$8,959.00 (+13.42%)
2023	$7,899.00 (+16.21%)	$526,781 (+26.1%) Land $110,000 Building $416,781	$526,781 (+26.1%) Land $110,000 Building $416,781
2022	$6,797.00	$417,754 Land $100,000 Building $317,754	$417,754 Land $100,000 Building $317,754

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 40 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	40 in force

Wildfire

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Lumen Technologies.

Based on FCC filings for 289 locations within half a mile of this property.

Drinking Water

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

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 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.