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12812 Cragside Ln, Windermere, FL 34786 Property Records

Orange County property record for 12812 Cragside Ln, Windermere, FL 34786

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 2,230 sqft · built 2005
Lot Size0.164 acres (7,151 sqft)
Owner2 Individual Names on File
Last Sale$195,000 (Oct 2009)
Tax Bill$3,561 (2025)
Deeds & MortgagesDec 2019 Second Mortgage
Flood ZoneZone X (minimal risk)
APN24-23-27-5428-03-900

Property Details

APN / Parcel Number

Primary APN24-23-27-5428-03-900
Alternative APNs
  • 272324542803900
  • 146420
  • 147591
  • 149710

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 2005
Effective Year BuiltEffective 2005
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,151 sqft (0.164 acres)
Garage TypeAttached
Garage Area420 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area270 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address12812 CRAGSIDE LN
CityWINDERMERE
StateFL
Zip34786-6646
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeP-D
Legal DescriptionLAKES OF WINDERMERE PHASE 2A 60/63 LOT 390
Legal Range27E
Legal Township23S
Legal Section24
Legal SubdivisionLAKES OF WINDERMERE PH 2A
Legal Phase2A
Legal Tract5428
Legal Block3
Legal Lot Number390
JurisdictionORANGE FL
Township / Civil DivisionSOUTHWEST ORANGE
Census Block Group1
Census Block1007
Census Tract17112

Owner

12812 Cragside Ln is owned and occupied by two individuals who bought it in October 2009.

Source: Orange County records, as of August 17, 2026

Owner of Record2 Individual Names on File
Mailing Address12812 CRAGSIDE LN, WINDERMERE, FL 34786-6646
OccupancyOwner Occupied
Owner TypeIndividual

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 Names2 Names on Deed
Last SaleOct 22, 2009 · Amount on File
Deed SaleOct 22, 2009 · Amount on File
Prior SaleNov 25, 2008 · Amount on File
Deed Document Number2009627702
Deed Book / Page9952 / 3121
Record UpdatedSep 20, 2026

December 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionORANGE FL
Property Address12812 CRAGSIDE LN, WINDERMERE, FL 34786-6646
Transaction TypeMortgage
Record UpdatedJan 3, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000806110
DateDec 27, 2019
Instrument20190806110
Lender
NameDISCOVER BANK
TypeBank
AddressNEW CASTLE, DE 19720
Agreement
TypeStand-Alone Second Mortgage
AmountAmount on Record
Term360 Months
DueDec 19, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 12812 Cragside Ln was $3,561, up 6.8% from the year before.

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$221,061 (+2.7%)$448,670 (-7.7%) Land $125,000 Building $323,670
2025$3,561.00 (+6.81%) Homeowner's exemption$215,249$486,090 Land $125,000 Building $361,090
2024$3,334.00 (+7.76%)
2023$3,094.00 (+4.81%) Homeowner's exemption$203,090 (+3%)$428,246 (+24.6%) Land $110,000 Building $318,246
2022$2,952.00 Homeowner's exemption$197,175$343,688 Land $100,000 Building $243,688

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

Flood

FEMA maps place 12812 Cragside Ln 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
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

Wildfire risk around 12812 Cragside Ln is low, with a 0.02% annual chance of 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 230 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
T-Mobile
Fixed Wireless		100 / 20
AT&T
Fixed Wireless		100 / 20

May also be available: CenturyLink.

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