12637 Cragside Ln, Windermere, FL 34786 Property Records

Orange County property record for 12637 Cragside Ln, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,530 sqft · built 2005
Lot Size	0.165 acres (7,199 sqft)
Owner	2 Individual Names on Record
Last Sale	$465,000 (Aug 2021)
Tax Bill	$5,982 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Aug 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`24-23-27-5427-00-960`

Property Details

APN / Parcel Number

Primary APN	`24-23-27-5427-00-960`
Alternative APNs	`272324542700960` `146038` `147208` `149327`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,530 sqft Living Area
Gross Area	3,238 sqft
1st Floor Area	1,347 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,199 sqft (0.165 acres)
Garage Type	Attached
Garage Area	396 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	218 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12637 CRAGSIDE LN
City	WINDERMERE
State	FL
Zip	34786-6615
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	LAKES OF WINDERMERE PH 1 49/108 LOT 96
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	96
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1015
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	12637 CRAGSIDE LN, WINDERMERE, FL 34786-6615
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2021	Warranty Deed, Transfer · Conventional Mortgage AXIA FINANCIAL LLC
Aug 14, 2020	Deed of Trust, Mortgage · Line of Credit FIGURE LNDG LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2021 · Amount on Record
Deed Sale	Aug 25, 2021 · Amount on Record
Prior Sale	Sep 5, 2006
Deed Document Number	2021521220
Record Updated	Jun 8, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Aug 25, 2021
Property Address	12637 CRAGSIDE LN, WINDERMERE, FL 34786-6615
Document Number	0000521220
Map Reference	MB 49 PG 108-118
Instrument Date	Aug 23, 2021
Instrument	20210521220
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,255.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7116 CROSSWATER TRAIL #73127312, 7116, WINDERMERE, FL 34786

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12637 CRAGSIDE LN, WINDERMERE, FL 34786-6615

Mortgage

Document Number	0000521221
Date	Aug 25, 2021
Instrument	20210521221

Lender

Name	AXIA FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12637 CRAGSIDE LN, WINDERMERE, FL 34786-6615
Document Number	0000437517
Instrument Date	Aug 14, 2020
Transaction Type	Mortgage
Record Updated	Sep 10, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12637 CRAGSIDE LN WINDERMERE FL 347866615, WINDERMERE, FL 34786-6615

Mortgage

Document Number	0000437517
Date	Aug 19, 2020
Instrument	437517

Lender

Name	FIGURE LNDG LLC
Address	RENO, NV 89501

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Aug 18, 2025

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		$372,802 (+2.7%)	$482,070 (-7.85%) Land $125,000 Building $357,070
2025	$5,982.00 (+5.13%) Homeowner's exemption	$363,001 (+5.99%)	$523,110 (+12.78%) Land $125,000 Building $398,110
2024	$5,690.00 (+7.54%)
2023	$5,291.00 (+3.93%) Homeowner's exemption	$342,496 (+3%)	$463,828 (+24.98%) Land $110,000 Building $353,828
2022	$5,091.00 Homeowner's exemption	$332,520	$371,110 Land $100,000 Building $271,110

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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