12813 Cragside Ln, Windermere, FL 34786 Property Records

Orange County property record for 12813 Cragside Ln, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,709 sqft · built 2005
Lot Size	0.15 acres (6,521 sqft)
Owner	Individual Name on File
Last Sale	$595,000 (May 2023)
Tax Bill	$9,555 (2025)
Deeds & Mortgages	May 2023 Sale & Line of Credit Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-23-27-5428-04-650`

Property Details

APN / Parcel Number

Primary APN	`24-23-27-5428-04-650`
Alternative APNs	`272324542804650` `146513` `147681` `149803`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,709 sqft Living Area
Gross Area	3,706 sqft
1st Floor Area	1,485 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,521 sqft (0.15 acres)
Garage Type	Attached
Garage Area	523 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	216 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12813 CRAGSIDE LN
City	WINDERMERE
State	FL
Zip	34786-6661
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	LAKES OF WINDERMERE PHASE 2A 60/63 LOT 465
Legal Range	27E
Legal Township	23S
Legal Section	24
Legal Subdivision	LAKES OF WINDERMERE PH 2A
Legal Phase	2A
Legal Tract	5428
Legal Block	4
Legal Lot Number	465
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1012
Census Tract	17112

Owner

12813 Cragside Ln is owned and occupied by an individual who bought it in May 2023.

Source: Orange County records, as of April 30, 2026

Owner of Record	Individual Name on File
Mailing Address	12813 CRAGSIDE LN, WINDERMERE, FL 34786-6661
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Date	Document
May 19, 2023	Warranty Deed, Transfer · Line of Credit DESJARDINS BANK
Oct 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE FIRM

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 19, 2023 · Amount on File
Deed Sale	May 19, 2023 · Amount on File
Prior Sale	Sep 15, 2008 · Amount on File
Deed Document Number	2023285346
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	May 19, 2023
Property Address	12813 CRAGSIDE LN, WINDERMERE, FL 34786-6661
Document Number	0000285346
Map Reference	MB 60 PG 63-70
Instrument Date	Apr 24, 2023
Instrument	20230285346
Transaction Type	Transfer
Record Updated	Jun 12, 2023
Title Company	METES & BOUNDS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,165.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4272 OAK LODGE WAY, WINTER GARDEN, FL 34787-5349

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12813 CRAGSIDE LN, WINDERMERE, FL 34786-6661

Mortgage

Document Number	0000285347
Date	May 19, 2023
Instrument	20230285347

Lender

Name	DESJARDINS BANK
Type	Bank
Address	HALLANDALE, FL 33009

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12813 CRAGSIDE LN, WINDERMERE, FL 34786-6661
Document Number	0000666507
Instrument Date	Oct 18, 2019
Transaction Type	Mortgage
Record Updated	Nov 13, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12813 CRAGSIDE LN WINDERMERE FL 347866661, WINDERMERE, FL 34786-6661

Mortgage

Document Number	0000666507
Date	Oct 24, 2019
Instrument	666507

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 23, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 12813 Cragside Ln was $9,555, up 4.3% 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		$538,240 (-7.36%) Land $125,000 Building $413,240	$538,240 (-8.48%) Land $125,000 Building $413,240
2025	$9,555.00 (+4.26%) Homeowner's exemption	$580,993	$588,130 Land $125,000 Building $463,130
2024	$9,165.00 (+134.94%)
2023	$3,901.00 (+4.39%) Homeowner's exemption	$254,254 (+3%)	$516,576 (+26.01%) Land $110,000 Building $406,576
2022	$3,737.00 Homeowner's exemption	$246,849	$409,934 Land $100,000 Building $309,934

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 12813 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 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 12813 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 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 230 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink.

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