12649 Cragside Ln, Windermere, FL 34786 Property Records

Orange County property record for 12649 Cragside Ln, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,094 sqft · built 2004
Lot Size	0.138 acres (5,999 sqft)
Owner	Individual Name on Record
Last Sale	$305,000 (Mar 2019)
Tax Bill	$4,859 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-23-27-5427-00-980`

Property Details

APN / Parcel Number

Primary APN	`24-23-27-5427-00-980`
Alternative APNs	`272324542700980` `146041` `147211` `149330`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,094 sqft Living Area
Gross Area	2,874 sqft
1st Floor Area	2,094 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	5,999 sqft (0.138 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	300 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12649 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 98
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	98
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 September 24, 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 Record
Mailing Address	12649 CRAGSIDE LN, WINDERMERE, FL 34786-6615
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Mar 21, 2019	Warranty Deed, Transfer · FHA Mortgage MORTGAGE EQUITY PTRS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 21, 2019 · Amount on Record
Deed Sale	Mar 21, 2019 · Amount on Record
Prior Sale	Nov 14, 2014 · Amount on Record
Deed Document Number	2019166647
Prior Transfer Date	Jan 29, 2014
Prior Transfer Doc	0000054010
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12649 CRAGSIDE LN, WINDERMERE, FL 34786-6615
Document Number	0000500275
Instrument Date	Sep 1, 2020
Transaction Type	Mortgage
Record Updated	Oct 9, 2020
Title Company	CORELOGIC-SOLUTIONS EXPRESS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12649 CRAGSIDE LN WINDERMERE FL 347866615, WINDERMERE, FL 34786-6615

Mortgage

Document Number	0000500275
Date	Sep 24, 2020
Instrument	500275

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 23, 2050

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Mar 21, 2019
Property Address	12649 CRAGSIDE LN, WINDERMERE, FL 34786-6615
Document Number	0000166647
Instrument Date	Mar 18, 2019
Instrument	166647
Transaction Type	Transfer
Record Updated	Sep 10, 2019
Title Company	GOLDEN KEY TITLE SERVICES LLC, GOLDEN KEY TITLE SVCS LLC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12649 CRAGSIDE LN WINDERMERE FL 347866615, WINDERMERE, FL 34786-6615

Mortgage

Document Number	166648
Date	Mar 21, 2019
Instrument	166648

Lender

Name	MORTGAGE EQUITY PTRS
Type	Mortgage Company
Address	LYNNFIELD, MA 01940

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 20, 2049

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		$302,441 (+2.7%)	$434,470 (-7.63%) Land $125,000 Building $309,470
2025	$4,859.00 (+5.68%) Homeowner's exemption	$294,490 (+5.99%)	$470,340 (+13.33%) Land $125,000 Building $345,340
2024	$4,598.00 (+7.61%)
2023	$4,273.00 (+4.22%) Homeowner's exemption	$277,854 (+3%)	$415,019 (+24.44%) Land $110,000 Building $305,019
2022	$4,100.00 Homeowner's exemption	$269,761	$333,520 Land $100,000 Building $233,520

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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