12634 Arley Dr, Windermere, FL 34786 Property Records

Orange County property record for 12634 Arley Dr, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,926 sqft · built 2004
Lot Size	0.149 acres (6,491 sqft)
Owner	Individual Name on File
Last Sale	$530,000 (Oct 2024)
Tax Bill	$8,033 (2025)
Deeds & Mortgages	Nov 2022 Sale Mar 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`24-23-27-5427-01-360`

Property Details

APN / Parcel Number

Primary APN	`24-23-27-5427-01-360`
Alternative APNs	`272324542701360` `146088` `147257` `149378`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,926 sqft Living Area
Gross Area	2,697 sqft
1st Floor Area	1,926 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	6,491 sqft (0.149 acres)
Garage Type	Attached
Garage Area	499 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	272 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12634 ARLEY DR
City	WINDERMERE
State	FL
Zip	34786-6619
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	LAKES OF WINDERMERE PH 1 49/108 LOT 136
Legal Range	27E
Legal Township	23S
Legal Section	24
Legal Subdivision	LAKES OF WINDERMERE PH 1
Legal Phase	1
Legal Tract	5427
Legal Block	1
Legal Lot Number	136
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1049
Census Tract	17112

Owner

12634 Arley Dr is owned and occupied by an individual who bought it in October 2024.

Source: Orange County records, as of August 17, 2026

Owner of Record	Individual Name on File
Mailing Address	12634 ARLEY DR, WINDERMERE, FL 34786-6619
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 23, 2022	Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION
Mar 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOME PT FIN'L
Jan 30, 2019	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 19, 2018	Warranty Deed, Transfer OPENDOOR TITLE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 2, 2024 · Amount on File
Deed Sale	Oct 2, 2024 · Amount on File
Prior Sale	Nov 23, 2022 · Amount on File
Deed Document Number	2024567933
Prior Transfer Date	Oct 8, 2022
Prior Transfer Doc	0000707377
Record Updated	Sep 20, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Nov 23, 2022
Property Address	12634 ARLEY DR, WINDERMERE, FL 34786-6619
Document Number	0000707377
Map Reference	MB 49 PG 108-118
Instrument Date	Oct 8, 2022
Instrument	20220707377
Transaction Type	Transfer
Record Updated	Dec 13, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount on Record
Tax	$910.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12634 ARLEY DR, WINDERMERE, FL 34786-6619

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12634 ARLEY DR, WINDERMERE, FL 34786-6619

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12634 ARLEY DR, WINDERMERE, FL 34786-6619
Document Number	0000163909
Instrument Date	Mar 6, 2020
Transaction Type	Mortgage
Record Updated	Apr 27, 2020
Title Company	OMEGA NATIONAL TITLE AGENCY LLC, OMEGA NAT'L TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12634 ARLEY DR WINDERMERE FL 347866619, WINDERMERE, FL 34786-6619

Mortgage

Document Number	0000163909
Date	Mar 13, 2020
Instrument	163909

Lender

Name	HOME PT FIN'L
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 12, 2050

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jan 30, 2019
Property Address	12634 ARLEY DR, WINDERMERE, FL 34786-6619
Document Number	0000060141
Map Reference	MB 49 PG 108-118
Instrument Date	Jan 21, 2019
Instrument	20190060141
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	OPENDOOR TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,135.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	405 HOWARD ST STE 550, 405, SAN FRANCISCO, CA 94105-2999

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12634 ARLEY DR, WINDERMERE, FL 34786-6619

Mortgage

Document Number	0000060142
Date	Jan 30, 2019
Instrument	20190060142

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Oct 19, 2018
Property Address	12634 ARLEY DR, WINDERMERE, FL 34786-6619
Document Number	0000616126
Instrument Date	Oct 17, 2018
Instrument	616126
Transaction Type	Transfer
Record Updated	Nov 2, 2018
Title Company	OPENDOOR TITLE LLC

Transaction

Amount	Amount on Record
Tax	$1,992.20
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	405 HOWARD ST #550 SAN FRANCISCO CA 941052999, 550, SAN FRANCISCO, CA 94105-2999
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 12634 Arley Dr was $8,033, up 21.6% from the year before.

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		$414,170 (-7.45%) Land $125,000 Building $289,170	$414,170 (-7.45%) Land $125,000 Building $289,170
2025	$8,033.00 (+21.62%) Homeowner's exemption	$447,520 Land $125,000 Building $322,520	$447,520 Land $125,000 Building $322,520
2024	$6,605.00 (+7.49%)
2023	$6,145.00 (+145.51%) Homeowner's exemption	$396,638 (+135.05%) Land $110,000 Building $286,638	$396,638 (+24.09%) Land $110,000 Building $286,638
2022	$2,503.00 Homeowner's exemption	$168,747	$319,641 Land $100,000 Building $219,641

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 12634 Arley Dr in Zone X, an area of minimal flood risk.

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 File 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

Wildfire risk around 12634 Arley Dr is low, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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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