Orange County property record for 12539 Charmed Dr, Winter Garden, FL 34787
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 2,587 sqft · built 2022 |
| Owner | Individual Name on File |
| Last Sale | $750,000 (Oct 2022) |
| Tax Bill | $9,721 (2025) |
| Deeds & Mortgages | Oct 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-24-27-7509-00-570 |
| Primary APN | 07-24-27-7509-00-570 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 2,587 sqft Living Area |
| Gross Area | 3,898 sqft |
| 1st Floor Area | 1,200 sqft |
| Flooring | Wood |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Garage Type | Attached |
| Garage Area | 504 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 490 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 12539 CHARMED DR |
|---|---|
| City | WINTER GARDEN |
| State | FL |
| Zip | 34787-8475 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | P-D |
| Legal Description | WATERLEIGH PHASE 4A 107/32 LOT 57 |
| Legal Subdivision | WATERLEIGH PHASE 4A |
| Legal Lot Number | 57 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 1 |
| Census Block | 1083 |
| Census Tract | 17111 |
12539 Charmed Dr is owned and occupied by an individual who bought it in October 2022.
Source: Orange County records, as of April 30, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 12539 CHARMED DR, WINTER GARDEN, FL 34787-8475 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 5, 2022 · Amount on File |
| Deed Sale | Oct 5, 2022 · Amount on File |
| Deed Document Number | 2022604724 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 12539 CHARMED DR, WINTER GARDEN, FL 34787-8475 |
| Transaction Type | Mortgage |
| Record Updated | Feb 1, 2024 |
| Title Company | DHI TITLE |
| Name | Verified Name |
|---|---|
| Address | 11174 HANLON TERRACE ALY, OAKLAND, FL 34787-1776 |
| Document Number | 0000604725 |
|---|---|
| Date | Oct 5, 2022 |
| Instrument | 20220604725 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Address | AUSTIN, TX 78750 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2052 |
The 2025 property tax bill for 12539 Charmed Dr was $9,721, up 4% from the year before.
Source: Orange County assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Unified School District | Orange County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $621,171 (+2.7%) | $625,550 (-1.15%) Land $115,000 Building $510,550 | |
| 2025 | $9,721.00 (+4.03%) Homeowner's exemption | $604,840 | $632,850 Land $115,000 Building $517,850 |
| 2024 | $9,344.00 (+6.97%) | ||
| 2023 | $8,735.00 (+386.09%) Homeowner's exemption | $570,674 (+451.38%) Land $115,000 Building $455,674 | $570,674 (+451.38%) Land $115,000 Building $455,674 |
| 2022 | $1,797.00 | $103,500 Land $103,500 | $103,500 Land $103,500 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 12539 Charmed Dr in Zone X, an area of minimal flood risk, within 100 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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 269 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 269 in force |
| Nearby Flood Claims | 4 (2014–2024) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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 12539 Charmed Dr is high, ranking above 72% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 72% of the US · above 56% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% 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 286 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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