Orange County property record for 12528 Park Ave, Windermere, FL 34786
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 7 ba · 5,916 sqft · built 1995 |
| Lot Size | 1.08 acres (47,155 sqft) |
| Owner | Individual Name on File |
| Last Sale | $3,625,000 (Oct 2022) |
| Tax Bill | $51,949 (2025) |
| Deeds & Mortgages | Oct 2022 Mortgage Oct 2018 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-23-27-1306-00-320 |
| Primary APN | 12-23-27-1306-00-320 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 7 Baths |
| Stories | 2 Stories |
| Building Area | 5,916 sqft Living Area |
| Gross Area | 8,193 sqft |
| 1st Floor Area | 3,601 sqft |
| Flooring | Wood |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Stone |
| Roof Type | Gable/Hip |
| Roof Material | Tile |
| Lot Area | 47,155 sqft (1.08 acres) |
| Garage Type | Attached |
| Garage Area | 781 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 861 sqft |
| Patio Area | 226 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 12528 PARK AVE |
|---|---|
| City | WINDERMERE |
| State | FL |
| Zip | 34786-7608 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-CE-C |
| Legal Description | CHAINE DU LAC 27/60 LOT 32 |
| Legal Range | 27E |
| Legal Township | 23S |
| Legal Section | 12 |
| Legal Subdivision | CHAINE DU LAC |
| Legal Tract | 1306 |
| Legal Lot Number | 32 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 17115 |
12528 Park Ave is owned by an individual who bought it in October 2022.
Source: Orange County records, as of April 30, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 7330 EXCHANGE DR, ORLANDO, FL 32809-6243 |
| Owner Type | Individual |
| Vesting | Married Man, Separate Property |
| Date | Document |
|---|---|
| Oct 19, 2022 | Deed of Trust, Mortgage · Conventional Mortgage COGENT BANK |
| Oct 1, 2018 | Loan Modification, Mortgage US BK NA SERIES 2005-A9 (CE) |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 19, 2022 · Amount on File |
| Deed Sale | Oct 19, 2022 · Amount on File |
| Prior Sale | Aug 6, 1998 · Amount on File |
| Deed Document Number | 2022636444 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 12528 PARK AVE, WINDERMERE, FL 34786-7608 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2022 |
| Name | Verified Name |
|---|---|
| Address | 10431 WARRICK ST, ORLANDO, FL 32836-5889 |
| Document Number | 0000636445 |
|---|---|
| Date | Oct 19, 2022 |
| Instrument | 20220636445 |
| Name | COGENT BANK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32801 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.62% |
| Type Change Date | Nov 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 10.6% |
| Index | 1-Year CMT |
| Max Rate | 10.6% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 12528 PARK AVE, WINDERMERE, FL 34786-7608 |
| Document Number | 0000629167 |
| Instrument Date | Oct 1, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2018 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 12528 PARK AVE WINDERMERE FL 347867608, WINDERMERE, FL 34786-7608 |
| Document Number | 0000629167 |
|---|---|
| Date | Oct 26, 2018 |
| Instrument | 629167 |
| Name | US BK NA SERIES 2005-A9 (CE) |
|---|---|
| Address | 9062 OLD ANNAPOLIS RD, COLUMBIA, MD 21045-2479 |
| Amount | Amount on Record |
|---|---|
| Term | 204 Months |
| Due | Oct 25, 2035 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.62% |
The 2025 property tax bill for 12528 Park Ave was $51,949, down 3% from the year before.
Source: Orange County assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Municipality | Windermere Town |
| Unified School District | Orange County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,321,150 (-1.01%) Land $1,100,000 Building $2,221,150 | $3,321,150 (-1.01%) Land $1,100,000 Building $2,221,150 | |
| 2025 | $51,949.00 (-3.01%) | $3,355,090 Land $1,100,000 Building $2,255,090 | $3,355,090 Land $1,100,000 Building $2,255,090 |
| 2024 | $53,563.00 (+9.33%) | ||
| 2023 | $48,992.00 (+58.61%) | $3,089,990 (+56.21%) Land $1,100,000 Building $1,989,990 | $3,089,990 (+32.93%) Land $1,100,000 Building $1,989,990 |
| 2022 | $30,889.00 Homeowner's exemption | $1,978,053 | $2,324,582 Land $1,100,000 Building $1,224,582 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12528 Park Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 34 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 34 in force |
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 risk around 12528 Park Ave is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 110 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| CenturyLink Fiber | 100 / 100 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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