12661 Cragside Ln, Windermere, FL 34786 Property Records

Orange County property record for 12661 Cragside Ln, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,249 sqft · built 2003
Lot Size	0.138 acres (5,999 sqft)
Owner	Individual Name on Record
Last Sale	$220,700 (Jan 2004)
Tax Bill	$3,521 (2025)
Deeds & Mortgages	May 2023 Line of Credit Jul 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-23-27-5427-01-000`

Property Details

APN / Parcel Number

Primary APN	`24-23-27-5427-01-000`
Alternative APNs	`272324542701000` `146044` `147213` `149333`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,249 sqft Living Area
Gross Area	2,936 sqft
1st Floor Area	2,249 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
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	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	287 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12661 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 100
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	100
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 May 4, 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	12661 CRAGSIDE LN, WINDERMERE, FL 34786-6615
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 1, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Jul 30, 2018	Quit Claim Deed, Transfer · Conventional Mortgage MORTGAGE FIRM

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 14, 2004 · Amount on Record
Deed Sale	Jan 14, 2004 · Amount on Record
Deed Document Number	200425414
Deed Book / Page	7266 / 1379
Last Transfer Date	Jul 13, 2018
Transfer Doc	0000447189
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12661 CRAGSIDE LN, WINDERMERE, FL 34786-6615
Transaction Type	Mortgage
Record Updated	May 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12661 CRAGSIDE LN, WINDERMERE, FL 34786-6615

Mortgage

Document Number	0000244764
Date	May 1, 2023
Instrument	20230244764

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Apr 13, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE FL
Recording Date	Jul 30, 2018
Property Address	12661 CRAGSIDE LN, WINDERMERE, FL 34786-6615
Document Number	0000447189
Instrument Date	Jul 13, 2018
Instrument	447189
Transaction Type	Transfer
Record Updated	Aug 20, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12661 CRAGSIDE LN WINDERMERE FL 347866615, WINDERMERE, FL 34786-6615

Mortgage

Document Number	447192
Date	Jul 30, 2018
Instrument	447192

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 29, 2048

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		$218,587 (+2.7%)	$450,460 (-7.63%) Land $125,000 Building $325,460
2025	$3,521.00 (+6.83%) Homeowner's exemption	$212,840 (+5.99%)	$487,660 (+12.1%) Land $125,000 Building $362,660
2024	$3,296.00 (+7.78%)
2023	$3,058.00 (+4.8%) Homeowner's exemption	$200,817 (+3%)	$435,037 (+25.32%) Land $110,000 Building $325,037
2022	$2,918.00 Homeowner's exemption	$194,968	$347,150 Land $100,000 Building $247,150

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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