12654 Cragside Ln, Windermere, FL 34786 Property Records

Orange County property record for 12654 Cragside Ln, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,989 sqft · built 2004
Lot Size	0.146 acres (6,363 sqft)
Owner	Individual Name on Record
Last Sale	$665,000 (Dec 2025)
Tax Bill	$9,647 (2025)
Deeds & Mortgages	Dec 2025 Sale Mar 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`24-23-27-5427-01-020`

Property Details

APN / Parcel Number

Primary APN	`24-23-27-5427-01-020`
Alternative APNs	`272324542701020` `146046` `147215` `149335`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,989 sqft Living Area
Gross Area	3,789 sqft
1st Floor Area	2,520 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	6,363 sqft (0.146 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	276 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12654 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 102
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	102
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1043
Census Tract	17112

Owner

Source: Orange County records, as of April 30, 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	1048 COUNTY HIGHWAY 122, GLOVERSVILLE, NY 12078-6126
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2025	Warranty Deed, Transfer EXPRESS TITLE, EXPRESS TITLE & CLOSING SVC
Mar 20, 2024	Intrafamily Transfer, Transfer · FHA Mortgage NEWREZ LLC
Oct 20, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Jul 31, 2017	Warranty Deed, Transfer · Conventional Mortgage OCMBC INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 18, 2025 · Amount on Record
Deed Sale	Dec 18, 2025 · Amount on Record
Prior Sale	Mar 20, 2024
Deed Document Number	2025726206
Prior Transfer Date	Oct 20, 2020
Prior Transfer Doc	0000548477
Record Updated	Jun 8, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Dec 18, 2025
Property Address	12654 CRAGSIDE LN, WINDERMERE, FL 34786-6614
Document Number	0000726206
Map Reference	MB 49 PG 108-118
Instrument Date	Dec 17, 2025
Instrument	20250726206
Transaction Type	Transfer
Record Updated	Dec 31, 2025
Title Company	EXPRESS TITLE, EXPRESS TITLE & CLOSING SVC

Transaction

Amount	Amount Recorded
Tax	$4,655.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2036 SAILBOROUGH CT, WINTER GARDEN, FL 34787-4679

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1048 COUNTY HIGHWAY 122, GLOVERSVILLE, NY 12078-6126

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE FL
Recording Date	Mar 20, 2024
Property Address	12654 CRAGSIDE LN, WINDERMERE, FL 34786-6614
Document Number	0000166303
Map Reference	MB 49 PG 108
Instrument Date	Mar 14, 2024
Instrument	20240166303
Transaction Type	Transfer
Record Updated	Apr 5, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12654 CRAGSIDE LN, WINDERMERE, FL 34786-6614

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12654 CRAGSIDE LN, WINDERMERE, FL 34786-6614

Mortgage

Document Number	0000166304
Date	Mar 20, 2024
Instrument	20240166304

Lender

Name	NEWREZ LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Apr 1, 2049

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE FL
Recording Date	Oct 20, 2020
Property Address	12654 CRAGSIDE LN, WINDERMERE, FL 34786-6614
Document Number	0000548477
Instrument Date	Oct 20, 2020
Instrument	548477
Transaction Type	Transfer
Record Updated	Nov 3, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12654 CRAGSIDE LN WINDERMERE FL 347866614, WINDERMERE, FL 34786-6614

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jul 31, 2017
Property Address	12654 CRAGSIDE LN, WINDERMERE, FL 34786-6614
Document Number	0000423085
Instrument Date	Jun 30, 2017
Instrument	423085
Transaction Type	Transfer
Record Updated	Aug 11, 2017
Title Company	OLIVER TITLE LAW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,128.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12654 CRAGSIDE LN WINDERMERE FL 347866614, WINDERMERE, FL 34786-6614

Mortgage

Document Number	423086
Date	Jul 31, 2017
Instrument	423086

Lender

Name	OCMBC INC
Address	19000 MACARTHUR BLVD # 200, IRVINE, CA 92612-1420

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 30, 2047

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		$540,300 (+4.24%) Land $125,000 Building $415,300	$540,300 (-8.23%) Land $125,000 Building $415,300
2025	$9,647.00 (+7.88%)	$518,313 (+0.62%)	$588,740 (+14.29%) Land $125,000 Building $463,740
2024	$8,942.00 (+15.46%)
2023	$7,745.00 (+16.08%)	$515,140 (+25.76%) Land $110,000 Building $405,140	$515,140 (+25.76%) Land $110,000 Building $405,140
2022	$6,672.00	$409,610 Land $100,000 Building $309,610	$409,610 Land $100,000 Building $309,610

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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