12652 Arley Dr, Windermere, FL 34786 Property Records

Orange County property record for 12652 Arley Dr, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,500 sqft · built 2002
Lot Size	0.157 acres (6,837 sqft)
Owner	2 Individual Names on File
Last Sale	$365,000 (Sep 2020)
Tax Bill	$5,690 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-23-27-5427-01-330`

Property Details

APN / Parcel Number

Primary APN	`24-23-27-5427-01-330`
Alternative APNs	`272324542701330` `146084` `147253` `149374`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,500 sqft Living Area
Gross Area	3,160 sqft
1st Floor Area	2,500 sqft
Utility Area	15 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,837 sqft (0.157 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	245 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12652 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 133
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	133
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1049
Census Tract	17112

Owner

12652 Arley Dr is owned and occupied by two individuals who bought it in September 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	12652 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
Mar 4, 2024	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Sep 1, 2020	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2020 · Amount on File
Deed Sale	Sep 1, 2020 · Amount on File
Prior Sale	Sep 14, 2005 · Amount on File
Deed Document Number	2020460429
Prior Transfer Date	Oct 20, 2003
Prior Transfer Doc	0000656948
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12652 ARLEY DR, WINDERMERE, FL 34786-6619
Transaction Type	Mortgage
Record Updated	Mar 21, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12652 ARLEY DR, WINDERMERE, FL 34786-6619

Mortgage

Document Number	0000124503
Date	Mar 4, 2024
Instrument	20240124503

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Feb 16, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Sep 1, 2020
Property Address	12652 ARLEY DR, WINDERMERE, FL 34786-6619
Document Number	0000460429
Instrument Date	Aug 28, 2020
Instrument	460429
Transaction Type	Transfer
Record Updated	Sep 23, 2020
Title Company	BROKERS TITLE/CTRL FL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,555.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12652 ARLEY DR WINDERMERE FL 347866619, WINDERMERE, FL 34786-6619

Mortgage

Document Number	460430
Date	Sep 1, 2020
Instrument	460430

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 31, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 12652 Arley Dr was $5,690, up 5.3% 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		$354,506 (+2.7%)	$471,070 (-7.93%) Land $125,000 Building $346,070
2025	$5,690.00 (+5.25%) Homeowner's exemption	$345,186	$511,630 Land $125,000 Building $386,630
2024	$5,406.00 (+7.56%)
2023	$5,026.00 (+3.99%) Homeowner's exemption	$325,687 (+3%)	$454,900 (+24.85%) Land $110,000 Building $344,900
2022	$4,833.00 Homeowner's exemption	$316,201	$364,363 Land $100,000 Building $264,363

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

Flood

FEMA maps place 12652 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 12652 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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