12824 Cragside Ln, Windermere, FL 34786 Property Records

Orange County property record for 12824 Cragside Ln, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,229 sqft · built 2005
Lot Size	0.144 acres (6,260 sqft)
Owner	2 Individual Names on Record
Last Sale	$271,900 (Dec 2025)
Tax Bill	$8,362 (2025)
Deeds & Mortgages	Dec 2025 Sale Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-23-27-5428-03-920`

Property Details

APN / Parcel Number

Primary APN	`24-23-27-5428-03-920`
Alternative APNs	`272324542803920` `146422` `147593` `149713`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,229 sqft Living Area
Gross Area	2,798 sqft
1st Floor Area	2,229 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	6,260 sqft (0.144 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	149 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12824 CRAGSIDE LN
City	WINDERMERE
State	FL
Zip	34786-6646
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	LAKES OF WINDERMERE PHASE 2A 60/63 LOT 392
Legal Range	27E
Legal Township	23S
Legal Section	24
Legal Subdivision	LAKES OF WINDERMERE PH 2A
Legal Phase	2A
Legal Tract	5428
Legal Block	3
Legal Lot Number	392
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1007
Census Tract	17112

Owner

Source: Orange County records, as of June 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	13327 ZORI LN, WINDERMERE, FL 34786-7315
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2025	Warranty Deed, Transfer
Jun 23, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2025 · Amount on Record
Deed Sale	Dec 16, 2025 · Amount on Record
Prior Sale	Jun 23, 2021 · Amount on Record
Deed Document Number	2025719930
Prior Transfer Date	Mar 24, 2006
Prior Transfer Doc	0000195733
Record Updated	Oct 29, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Dec 16, 2025
Property Address	12824 CRAGSIDE LN, WINDERMERE, FL 34786-6646
Document Number	0000719930
Map Reference	MB 60 PG 63
Instrument Date	Dec 12, 2025
Instrument	20250719930
Transaction Type	Transfer
Record Updated	Dec 29, 2025

Transaction

Amount	Amount Recorded
Tax	$1,903.30
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13327 ZORI LN, WINDERMERE, FL 34786-7315

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13327 ZORI LN, WINDERMERE, FL 34786-7315

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jun 23, 2021
Property Address	12824 CRAGSIDE LN, WINDERMERE, FL 34786-6646
Document Number	0000374441
Map Reference	MB 60 PG 63
Instrument Date	Jun 21, 2021
Instrument	20210374441
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	CLEAR TITLE, CLEAR TITLE SOLUTIONS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,660.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7445 MARCOOSEE RD, 7445, ORLANDO, FL 32837

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	13327 ZON LANE, WINDERMERE, FL 34786

Mortgage

Document Number	0000374442
Date	Jun 23, 2021
Instrument	20210374442

Lender

Name	FIRST SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

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		$447,730 (-1.91%) Land $125,000 Building $322,730	$447,730 (-7.64%) Land $125,000 Building $322,730
2025	$8,362.00 (+8.47%)	$456,427 (+6.89%)	$484,780 (+13.53%) Land $125,000 Building $359,780
2024	$7,709.00 (+13.6%)
2023	$6,786.00 (+15.33%)	$427,013 (+24.52%) Land $110,000 Building $317,013	$427,013 (+24.52%) Land $110,000 Building $317,013
2022	$5,884.00	$342,921 Land $100,000 Building $242,921	$342,921 Land $100,000 Building $242,921

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 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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