12646 Arley Dr, Windermere, FL 34786 Property Records

Orange County property record for 12646 Arley Dr, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,151 sqft · built 2003
Lot Size	0.153 acres (6,663 sqft)
Owner	2 Individual Names on File
Last Sale	$277,500 (May 2017)
Tax Bill	$4,754 (2025)
Deeds & Mortgages	Oct 2021 Mortgage May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-23-27-5427-01-340`

Property Details

APN / Parcel Number

Primary APN	`24-23-27-5427-01-340`
Alternative APNs	`272324542701340` `146085` `147254` `149375`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,151 sqft Living Area
Gross Area	3,145 sqft
1st Floor Area	2,151 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,663 sqft (0.153 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	553 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12646 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 134
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	134
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1049
Census Tract	17112

Owner

12646 Arley Dr is owned and occupied by two individuals who bought it in May 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	12646 ARLEY DR, WINDERMERE, FL 34786-6619
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage AXIA FINANCIAL LLC
May 30, 2017	Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 30, 2017 · Amount on File
Deed Sale	May 30, 2017 · Amount on File
Prior Sale	Mar 10, 2003 · Amount on File
Deed Document Number	2017299279
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12646 ARLEY DR, WINDERMERE, FL 34786-6619
Transaction Type	Mortgage
Record Updated	Oct 28, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12646 ARLEY DR, WINDERMERE, FL 34786-6619

Mortgage

Document Number	20210623677
Date	Oct 12, 2021
Instrument	20210623677

Lender

Name	AXIA FINANCIAL LLC
Type	Mortgage Company
Address	BELLEVUE, WA 98004

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	May 30, 2017
Property Address	12646 ARLEY DR, WINDERMERE, FL 34786-6619
Document Number	0000299279
Map Reference	MB 49 PG 108
Instrument Date	May 15, 2017
Instrument	20170299279
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	OLIVER TITLE LAW

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,942.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	829 WINTERGREEN CT, 829, MARCO ISLAND, FL 34145-3463

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12646 ARLEY DR, WINDERMERE, FL 34786-6619

Mortgage

Document Number	0000299280
Date	May 30, 2017
Instrument	20170299280

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 12646 Arley Dr was $4,754, up 5.8% 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		$295,826 (+2.7%)	$444,960 (-7.7%) Land $125,000 Building $319,960
2025	$4,754.00 (+5.76%) Homeowner's exemption	$288,049	$482,070 Land $125,000 Building $357,070
2024	$4,495.00 (+7.61%)
2023	$4,177.00 (+4.27%) Homeowner's exemption	$271,778 (+3%)	$424,696 (+24.63%) Land $110,000 Building $314,696
2022	$4,006.00 Homeowner's exemption	$263,862	$340,765 Land $100,000 Building $240,765

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 12646 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 12646 Arley Dr is low, with a 0.02% annual chance of 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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