12658 Arley Dr, Windermere, FL 34786 Property Records

Orange County property record for 12658 Arley Dr, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,460 sqft · built 2004
Lot Size	0.184 acres (8,014 sqft)
Owner	2 Individual Names on File
Last Sale	$246,700 (Mar 2004)
Tax Bill	$3,820 (2025)
Deeds & Mortgages	Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-23-27-5427-01-320`

Property Details

APN / Parcel Number

Primary APN	`24-23-27-5427-01-320`
Alternative APNs	`272324542701320` `146083` `147252` `149373`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,460 sqft Living Area
Gross Area	3,103 sqft
1st Floor Area	2,460 sqft
Flooring	Wood
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	8,014 sqft (0.184 acres)
Garage Type	Attached
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	211 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12658 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 132
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	132
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1049
Census Tract	17112

Owner

12658 Arley Dr is owned and occupied by two individuals who acquired it in December 2005.

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

Owner of Record	2 Individual Names on File
Mailing Address	12658 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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 25, 2004 · Amount on File
Deed Sale	Mar 25, 2004 · Amount on File
Deed Document Number	2004184078
Deed Book / Page	7361 / 3793
Last Transfer Date	Dec 12, 2005
Transfer Doc	0000875142
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12658 ARLEY DR, WINDERMERE, FL 34786-6619
Transaction Type	Mortgage
Record Updated	Jan 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12658 ARLEY DR, WINDERMERE, FL 34786-6619

Mortgage

Document Number	0000013337
Date	Jan 6, 2022
Instrument	20220013337

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	CENTERVILLE, SD 57014

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 12658 Arley Dr was $3,820, up 6.5% 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		$237,333 (+2.7%)	$496,260 (-8.2%) Land $125,000 Building $371,260
2025	$3,820.00 (+6.5%) Homeowner's exemption	$231,093	$540,570 Land $125,000 Building $415,570
2024	$3,587.00 (+7.72%)
2023	$3,330.00 (+4.65%) Homeowner's exemption	$218,039 (+3%)	$477,931 (+25.46%) Land $110,000 Building $367,931
2022	$3,182.00 Homeowner's exemption	$211,688	$380,950 Land $100,000 Building $280,950

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

Flood

FEMA maps place 12658 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 12658 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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