12819 Cragside Ln, Windermere, FL 34786 Property Records

Orange County property record for 12819 Cragside Ln, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,151 sqft · built 2005
Lot Size	0.18 acres (7,828 sqft)
Owner	2 Individual Names on File
Last Sale	$273,000 (Sep 2015)
Tax Bill	$3,857 (2025)
Deeds & Mortgages	Jan 2022 Mortgage May 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`24-23-27-5428-04-660`

Property Details

APN / Parcel Number

Primary APN	`24-23-27-5428-04-660`
Alternative APNs	`272324542804660` `146514` `147682` `149804`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,151 sqft Living Area
Gross Area	2,865 sqft
1st Floor Area	2,151 sqft
Flooring	Carpet
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	7,828 sqft (0.18 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	273 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12819 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 466
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	466
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1012
Census Tract	17112

Owner

12819 Cragside Ln is owned and occupied by two individuals who bought it in September 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	12819 CRAGSIDE LN, WINDERMERE, FL 34786-6661
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

Date	Document
Jan 5, 2022	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
May 5, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2015 · Amount on File
Deed Sale	Sep 10, 2015 · Amount on File
Prior Sale	Feb 26, 2007 · Amount on File
Deed Document Number	2015476620
Deed Book / Page	10981 / 4073
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12819 CRAGSIDE LN, WINDERMERE, FL 34786-6661
Transaction Type	Mortgage
Record Updated	Jan 20, 2022
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12819 CRAGSIDE LN, WINDERMERE, FL 34786-6661

Mortgage

Document Number	0000009094
Date	Jan 5, 2022
Instrument	20220009094

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2037

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12819 CRAGSIDE LN, WINDERMERE, FL 34786-6661
Document Number	0000280824
Instrument Date	May 5, 2017
Transaction Type	Mortgage
Record Updated	Aug 21, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12819 CRAGSIDE LN WINDERMERE FL 347866661, WINDERMERE, FL 34786-6661

Mortgage

Document Number	0000280824
Date	May 19, 2017
Instrument	280824

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 18, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 12819 Cragside Ln was $3,857, 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		$239,622 (+2.7%)	$450,920 (-7.46%) Land $125,000 Building $325,920
2025	$3,857.00 (+6.49%) Homeowner's exemption	$233,322	$487,290 Land $125,000 Building $362,290
2024	$3,622.00 (+7.7%)
2023	$3,363.00 (+4.64%) Homeowner's exemption	$220,142 (+3%)	$424,918 (+24.28%) Land $110,000 Building $314,918
2022	$3,214.00 Homeowner's exemption	$213,730	$341,905 Land $100,000 Building $241,905

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

Flood

FEMA maps place 12819 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 12819 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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