12557 Cragside Ln, Windermere, FL 34786 Property Records

Orange County property record for 12557 Cragside Ln, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,460 sqft · built 2004
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$177,000 (Mar 2011)
Tax Bill	$3,773 (2025)
Deeds & Mortgages	Jul 2019 Mortgage Jul 2019 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`24-23-27-5427-00-680`

Property Details

APN / Parcel Number

Primary APN	`24-23-27-5427-00-680`
Alternative APNs	`272324542700680` `146004` `147173` `149294`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,460 sqft Living Area
Gross Area	3,110 sqft
1st Floor Area	2,460 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,000 sqft (0.138 acres)
Garage Type	Attached
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	218 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12557 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 68
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	68
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1054
Census Tract	17112

Owner

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	2 Individual Names on Record
Mailing Address	12557 CRAGSIDE LN, WINDERMERE, FL 34786-6613
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2019	Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK
Jul 17, 2019	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Jul 28, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Jul 28, 2020	Deed of Trust, Mortgage · FHA Mortgage FINANCE OF AMERICA REVERSE
Dec 27, 2017	Loan Modification, Mortgage · Line of Credit SUNTRUST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 14, 2011 · Amount on Record
Deed Sale	Mar 14, 2011 · Amount on Record
Prior Sale	Jan 27, 2011
Deed Document Number	2011130008
Deed Book / Page	10184 / 7461
Prior Transfer Date	Jan 13, 2011
Prior Transfer Doc	0000048934
Record Updated	Oct 29, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12557 CRAGSIDE LN, WINDERMERE, FL 34786-6613
Transaction Type	Mortgage
Record Updated	Jan 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000434629
Date	Jul 16, 2019
Instrument	20190434629

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 8, 2034

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12557 CRAGSIDE LN, WINDERMERE, FL 34786-6613
Transaction Type	Mortgage
Record Updated	Jan 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000438448
Date	Jul 17, 2019
Instrument	20190438448

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 2, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12557 CRAGSIDE LN, WINDERMERE, FL 34786-6613
Document Number	0000418568
Instrument Date	Jul 28, 2020
Transaction Type	Mortgage
Record Updated	Aug 25, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12557 CRAGSIDE LN WINDERMERE FL 347866613, WINDERMERE, FL 34786-6613

Mortgage

Document Number	0000418568
Date	Aug 7, 2020
Instrument	418568

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	864 Months
Due	Aug 6, 2092

Interest

Rate Type	Adjustable Rate
Rate	2.87%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12557 CRAGSIDE LN, WINDERMERE, FL 34786-6613
Document Number	0000418567
Instrument Date	Jul 28, 2020
Transaction Type	Mortgage
Record Updated	Aug 25, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12557 CRAGSIDE LN WINDERMERE FL 347866613, WINDERMERE, FL 34786-6613

Mortgage

Document Number	0000418567
Date	Aug 7, 2020
Instrument	418567

Lender

Name	FINANCE OF AMERICA REVERSE
Address	TULSA, OK 74133

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	864 Months
Due	Aug 6, 2092

Interest

Rate Type	Adjustable Rate
Rate	2.87%

December 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ORANGE FL
Property Address	12557 CRAGSIDE LN, WINDERMERE, FL 34786-6613
Document Number	0000022809
Instrument Date	Dec 27, 2017
Transaction Type	Mortgage
Record Updated	Aug 30, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	12557 CRAGSIDE LN WINDERMERE FL 347866613, WINDERMERE, FL 34786-6613

Mortgage

Document Number	0000022809
Date	Jan 11, 2018
Instrument	22809

Lender

Name	SUNTRUST BK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 10, 2048

Interest

Rate Type	Adjustable Rate

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		$239,484 (+2.7%)	$472,040 (-7.91%) Land $125,000 Building $347,040
2025	$3,773.00 (+6.64%) Homeowner's exemption	$233,188 (+5.99%)	$512,560 (+12.48%) Land $125,000 Building $387,560
2024	$3,538.00 (+5.27%)
2023	$3,361.00 (+4.64%) Homeowner's exemption	$220,016 (+3%)	$455,710 (+24.79%) Land $110,000 Building $345,710
2022	$3,212.00 Homeowner's exemption	$213,608	$365,183 Land $100,000 Building $265,183

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
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

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 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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 364 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink, T-Mobile.

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