12733 Windermere Isles Pl, Windermere, FL 34786 Property Records

Orange County property record for 12733 Windermere Isles Pl, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,934 sqft · built 1997
Lot Size	0.78 acres (33,989 sqft)
Owner	2 Individual Names on Record
Last Sale	$440,000 (Sep 2013)
Tax Bill	$7,097 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Sep 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`12-23-27-3913-00-030`

Property Details

APN / Parcel Number

Primary APN	`12-23-27-3913-00-030`
Alternative APNs	`272312391300030` `138675` `139532` `141046`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,934 sqft Living Area
Gross Area	4,550 sqft
1st Floor Area	2,567 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	33,989 sqft (0.78 acres)
Garage Type	Attached
Garage Area	792 sqft
Parking Spaces	3 Parking Spaces
Porch	Finished/Open Porch
Porch Area	759 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12733 WINDERMERE ISLES PL
City	WINDERMERE
State	FL
Zip	34786-7722
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-CE-C
Legal Description	ISLES OF WINDERMERE 35/54 LOT 3
Legal Range	27E
Legal Township	23S
Legal Section	12
Legal Subdivision	ISLES OF WINDERMERE
Legal Tract	3913
Legal Lot Number	3
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1011
Census Tract	17115

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	2 Individual Names on Record
Mailing Address	12733 WINDERMERE ISLES PL, WINDERMERE, FL 34786-7722
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2023	Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK
Sep 21, 2022	Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK
Jan 28, 2021	Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK
Nov 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage CHICAGO MORTGAGE SOLUTIONS CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 6, 2013 · Amount on Record
Deed Sale	Sep 6, 2013 · Amount on Record
Prior Sale	Jan 25, 2006 · Amount on Record
Deed Document Number	2013476320
Deed Book / Page	10630 / 5733
Prior Transfer Date	Aug 20, 2007
Prior Transfer Doc	0000609920
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12733 WINDERMERE ISLES PL, WINDERMERE, FL 34786-7722
Transaction Type	Mortgage
Record Updated	Aug 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12733 WINDERMERE ISLES PL, WINDERMERE, FL 34786-7722

Mortgage

Document Number	0000449408
Date	Aug 9, 2023
Instrument	20230449408

Lender

Name	TRUSTCO BANK
Type	Bank
Address	LONGWOOD, FL 32750

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 3, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12733 WINDERMERE ISLES PL, WINDERMERE, FL 34786-7722
Transaction Type	Mortgage
Record Updated	Oct 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12733 WINDERMERE ISLES PL, WINDERMERE, FL 34786-7722

Mortgage

Document Number	0000580181
Date	Sep 21, 2022
Instrument	20220580181

Lender

Name	TRUSTCO BANK
Type	Bank
Address	LONGWOOD, FL 32750

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 15, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12733 WINDERMERE ISLES PL, WINDERMERE, FL 34786-7722
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12733 WINDERMERE ISLES PL, WINDERMERE, FL 34786-7722

Mortgage

Document Number	0000053942
Date	Jan 28, 2021
Instrument	20210053942

Lender

Name	TRUSTCO BANK
Type	Bank
Address	LONGWOOD, FL 32750

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 20, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12733 WINDERMERE ISLES PL, WINDERMERE, FL 34786-7722
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12733 WINDERMERE ISLES PL, WINDERMERE, FL 34786-7722

Mortgage

Document Number	0000697661
Date	Nov 12, 2021
Instrument	20210697661

Lender

Name	CHICAGO MORTGAGE SOLUTIONS CORP
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2036

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		$450,668 (+2.7%)	$634,040 (-1.41%) Land $150,000 Building $484,040
2025	$7,097.00 (+4.05%) Homeowner's exemption	$438,820 (+5.99%)	$643,130 (+9.48%) Land $150,000 Building $493,130
2024	$6,821.00 (+7%)
2023	$6,375.00 (+3.26%) Homeowner's exemption	$414,032 (+3%)	$587,457 (+27.67%) Land $150,000 Building $437,457
2022	$6,174.00 Homeowner's exemption	$401,973	$460,134 Land $120,000 Building $340,134

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 34 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	34 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	0.04% 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	WINTER GARDEN WATER DEPT (3 WPS) serves 72,205 people · EPA ID FL3481481
Water Source	Groundwater
Last State Inspection	Feb 2024
Also Mapped Here	OCUD/SOUTHERN WATER SYS (5 WPS), OCUD/WESTERN REGIONAL WTR SYS (5 WPS)
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 101 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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