Orange County property record for 12642 Cragside Ln, Windermere, FL 34786
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,972 sqft · built 2003 |
| Lot Size | 0.146 acres (6,363 sqft) |
| Owner | Individual Name on File |
| Last Sale | $410,000 (Aug 2021) |
| Tax Bill | $5,874 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Jul 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-23-27-5427-01-080 |
| Primary APN | 24-23-27-5427-01-080 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,972 sqft Living Area |
| Gross Area | 2,697 sqft |
| 1st Floor Area | 1,972 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,363 sqft (0.146 acres) |
| Garage Type | Attached |
| Garage Area | 453 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 272 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 12642 CRAGSIDE LN |
|---|---|
| City | WINDERMERE |
| State | FL |
| Zip | 34786-6614 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | P-D |
| Legal Description | LAKES OF WINDERMERE PH 1 49/108 LOT 108 |
| 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 | 108 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 1 |
| Census Block | 1043 |
| Census Tract | 17112 |
Source: Orange County records · APN 24-23-27-5427-01-080
Assessment roll updated April 30, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 12642 CRAGSIDE LN, WINDERMERE, FL 34786-6614 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE |
| Jul 18, 2017 | Warranty Deed, Transfer · FHA Mortgage MEADOWBROOK FINCL MTG BANKERS CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 25, 2021 · Amount on Record |
| Deed Sale | Aug 25, 2021 · Amount on Record |
| Prior Sale | Jul 18, 2017 · Amount on Record |
| Deed Document Number | 2021520408 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 12642 CRAGSIDE LN, WINDERMERE, FL 34786-6614 |
| Transaction Type | Mortgage |
| Record Updated | Jan 03, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 10836 ROYAL CYPRESS WAY, ORLANDO, FL 32836-6514 |
| Document Number | 0000520409 |
|---|---|
| Date | Aug 25, 2021 |
| Instrument | 20210520409 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | FORT MILL, SC 29707 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Jul 18, 2017 |
| Property Address | 12642 CRAGSIDE LN, WINDERMERE, FL 34786-6614 |
| Document Number | 0000400638 |
| Map Reference | MB 49 PG 108-118 |
| Instrument Date | Jul 17, 2017 |
| Instrument | 20170400638 |
| Transaction Type | Transfer |
| Record Updated | Jan 03, 2022 |
| Title Company | WEST ORANGE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,904.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12946 5324 LAZY OAKS LN, 12946, WINDERMERE, FL 34786 |
| Name | Verified Name |
|---|---|
| Address | 12642 CRAGSIDE LN, WINDERMERE, FL 34786-6614 |
| Document Number | 0000400639 |
|---|---|
| Date | Jul 18, 2017 |
| Instrument | 20170400639 |
| Name | MEADOWBROOK FINCL MTG BANKERS CORP |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2047 |
Source: Orange County records · Assessment roll updated April 30, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Unified School District | Orange County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $366,039 (+2.7%) | $425,250 (-7.93%) Land $125,000 Building $300,250 | |
| 2025 | $5,874.00 (+5.17%) Homeowner's exemption | $356,416 (+5.99%) | $461,860 (+13.38%) Land $125,000 Building $336,860 |
| 2024 | $5,585.00 (+7.55%) | ||
| 2023 | $5,193.00 (+3.94%) Homeowner's exemption | $336,283 (+3%) | $407,339 (+24.76%) Land $110,000 Building $297,339 |
| 2022 | $4,996.00 Homeowner's exemption | $326,488 Land $100,000 Building $226,488 | $326,488 Land $100,000 Building $226,488 |
Source: FEMA National Flood Hazard Layer, Orange County (12095C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120950171121, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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: Lumen Technologies, T-Mobile USA.
Based on FCC filings for 364 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system FL3484119, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | OCUD/SOUTHERN WATER SYS (5 WPS) serves 80,738 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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