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12655 Cragside Ln, Windermere, FL 34786 Property Records

Orange County property record for 12655 Cragside Ln, Windermere, FL 34786

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 2,230 sqft · built 2004
Lot Size0.138 acres (5,999 sqft)
Owner2 Individual Names on Record
Last Sale$338,000 (Sep 2020)
Tax Bill$8,223 (2025)
Deeds & MortgagesSep 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN24-23-27-5427-00-990

Property Details

APN / Parcel Number

Primary APN24-23-27-5427-00-990
Alternative APNs
  • 272324542700990
  • 146043
  • 147212
  • 149332

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area2,230 sqft Living Area
Gross Area2,920 sqft
1st Floor Area2,230 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2006
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area5,999 sqft (0.138 acres)
Garage TypeAttached
Garage Area420 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area270 sqft
Total Buildings2 Buildings

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address12655 CRAGSIDE LN
CityWINDERMERE
StateFL
Zip34786-6615
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeP-D
Legal DescriptionLAKES OF WINDERMERE PH 1 49/108 LOT 99
Legal Range27E
Legal Township23S
Legal Section24
Legal SubdivisionLAKES OF WINDERMERE PH 1
Legal Phase1
Legal Tract5427
Legal Lot Number99
JurisdictionORANGE FL
Township / Civil DivisionSOUTHWEST ORANGE
Census Block Group1
Census Block1015
Census Tract17112

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address12655 CRAGSIDE LN, WINDERMERE, FL 34786-6615
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 23, 2020 · Amount on Record
Deed SaleSep 23, 2020 · Amount on Record
Prior SaleAug 6, 2015 · Amount on Record
Deed Document Number2020497791
Prior Transfer DateFeb 25, 2016
Prior Transfer Doc0000106199
Record UpdatedOct 29, 2026

September 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionORANGE FL
Recording DateSep 23, 2020
Property Address12655 CRAGSIDE LN, WINDERMERE, FL 34786-6615
Document Number0000497791
Instrument DateSep 22, 2020
Instrument497791
Transaction TypeTransfer
Record UpdatedOct 9, 2020
Title CompanyBROKERS TITLE/CTRL FL

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,366.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address12655 CRAGSIDE LN WINDERMERE FL 347866615, WINDERMERE, FL 34786-6615

Mortgage

Document Number497792
DateSep 23, 2020
Instrument497792
Lender
NameMETRO CTY BK
TypeBank
AddressDORAVILLE, GA 30340
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueSep 22, 2035

Tax Assessment & Valuation

Source: Orange County assessment roll, as of April 30, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOrange County
Unified School DistrictOrange County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$459,920 (+5.97%) Land $125,000 Building $334,920$459,920 (-7.63%) Land $125,000 Building $334,920
2025$8,223.00 (+8.35%)$434,028 (-1.09%)$497,890 (+13.47%) Land $125,000 Building $372,890
2024$7,589.00 (+13.45%)
2023$6,689.00 (+15.57%)$438,790 (+24.52%) Land $110,000 Building $328,790$438,790 (+24.52%) Land $110,000 Building $328,790
2022$5,788.00$352,375 Land $100,000 Building $252,375$352,375 Land $100,000 Building $252,375

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 40 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies40 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 RiskLow
lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood0.02% annual chance
ExposureNone
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 SystemOCUD/SOUTHERN WATER SYS (5 WPS)
serves 80,738 people · EPA ID FL3484119
Water SourceGroundwater
Last State InspectionMay 2024
Lead2 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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