12635 Arley Dr, Windermere, FL 34786 Property Records

Orange County property record for 12635 Arley Dr, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,050 sqft · built 2004
Lot Size	0.176 acres (7,666 sqft)
Owner	2 Individual Names on Record
Last Sale	$335,000 (Jan 2016)
Tax Bill	$6,563 (2025)
Deeds & Mortgages	Feb 2026 Second Mortgage May 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-23-27-5427-01-140`

Property Details

APN / Parcel Number

Primary APN	`24-23-27-5427-01-140`
Alternative APNs	`272324542701140` `146061` `147229` `149350`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,050 sqft Living Area
Gross Area	4,413 sqft
1st Floor Area	2,121 sqft
Flooring	Wood
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	7,666 sqft (0.176 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	758 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12635 ARLEY DR
City	WINDERMERE
State	FL
Zip	34786-6620
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	LAKES OF WINDERMERE PH 1 49/108 LOT 114
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	114
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1050
Census Tract	17112

Owner

Source: Orange County records, as of May 4, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	12635 ARLEY DR, WINDERMERE, FL 34786-6620
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
May 7, 2019	Deed of Trust, Mortgage · VA Mortgage ACCELERATE MTG LLC
Aug 25, 2018	Deed of Trust, Mortgage · VA Mortgage ACCELERATE MTG LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 11, 2016 · Amount on Record
Deed Sale	Jan 11, 2016 · Amount on Record
Prior Sale	Feb 27, 2013 · Amount on Record
Deed Document Number	201616218
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12635 ARLEY DR, WINDERMERE, FL 34786-6620
Transaction Type	Mortgage
Record Updated	Mar 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12635 ARLEY DR, WINDERMERE, FL 34786-6620

Mortgage

Document Number	0000095141
Date	Feb 18, 2026
Instrument	20260095141

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2046

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12635 ARLEY DR, WINDERMERE, FL 34786-6620
Document Number	0000358853
Instrument Date	May 7, 2019
Transaction Type	Mortgage
Record Updated	Jun 27, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12635 ARLEY DR WINDERMERE FL 347866620, WINDERMERE, FL 34786-6620

Mortgage

Document Number	0000358853
Date	Jun 11, 2019
Instrument	358853

Lender

Name	ACCELERATE MTG LLC
Address	NEWARK, DE 19713

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 10, 2049

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12635 ARLEY DR, WINDERMERE, FL 34786-6620
Document Number	0000602914
Instrument Date	Aug 25, 2018
Transaction Type	Mortgage
Record Updated	Oct 26, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12635 ARLEY DR WINDERMERE FL 347866620, WINDERMERE, FL 34786-6620

Mortgage

Document Number	0000602914
Date	Oct 12, 2018
Instrument	602914

Lender

Name	ACCELERATE MTG LLC
Address	NEWARK, DE 19713

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 11, 2048

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		$409,186 (+2.7%)	$603,860 (-8.12%) Land $125,000 Building $478,860
2025	$6,563.00 (+4.92%) Homeowner's exemption	$398,428 (+5.99%)	$657,250 (+16.13%) Land $125,000 Building $532,250
2024	$6,255.00 (+7.51%)
2023	$5,818.00 (+3.82%) Homeowner's exemption	$375,921 (+3%)	$565,957 (+25.05%) Land $110,000 Building $455,957
2022	$5,604.00 Homeowner's exemption	$364,972	$452,595 Land $100,000 Building $352,595

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 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.02% 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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