12836 Jacob Grace Ct, Windermere, FL 34786 Property Records

Orange County property record for 12836 Jacob Grace Ct, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 5.5 ba · 4,608 sqft · built 2006
Lot Size	1.07 acres (46,881 sqft)
Owner	2 Company Names on File
Last Sale	$686,000 (Feb 2020)
Tax Bill	$14,888 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Feb 2024 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`13-23-27-8510-00-580`

Property Details

APN / Parcel Number

Primary APN	`13-23-27-8510-00-580`
Alternative APNs	`272313851000580` `138999` `139856` `141370`

Interior

Bedrooms	4 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,608 sqft Living Area
Gross Area	6,587 sqft
1st Floor Area	3,456 sqft
Utility Area	160 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	46,881 sqft (1.07 acres)
Garage Type	Attached
Garage Area	920 sqft
Parking Spaces	4 Parking Spaces
Porch	Finished/Open Porch
Porch Area	571 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12836 JACOB GRACE CT
City	WINDERMERE
State	FL
Zip	34786-5711
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-CE-C
Legal Description	TILDENS GROVE PH 1 47/65 LOT 58
Legal Range	27E
Legal Township	23S
Legal Section	13
Legal Subdivision	TILDENS GROVE PH 1
Legal Phase	1
Legal Tract	8510
Legal Lot Number	58
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2001
Census Tract	17115

Owner

12836 Jacob Grace Ct is owned by a company that acquired it in April 2020.

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

Owner of Record	2 Company Names on File
Mailing Address	12836 JACOB GRACE CT, WINDERMERE, FL 34786-5711
Owner Type	Company
Vesting	Borrower in Default

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
Feb 28, 2024	Deed of Trust, Mortgage · Line of Credit FIRST HORIZON BANK
Feb 26, 2024	Deed of Trust, Mortgage · Line of Credit FIRST HORIZON BANK
Jul 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage COGENT BANK
Apr 30, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Feb 10, 2020	Deed, Transfer · Conventional Mortgage COGENT BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 10, 2020 · Amount on File
Deed Sale	Feb 10, 2020 · Amount on File
Prior Sale	Jul 24, 2006 · Amount on File
Deed Document Number	202079105
Last Transfer Date	Apr 10, 2020
Transfer Doc	0000260952
Record Updated	Jun 8, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12836 JACOB GRACE CT, WINDERMERE, FL 34786-5711
Transaction Type	Mortgage
Record Updated	Mar 18, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12836 JACOB GRACE CT, WINDERMERE, FL 34786-5711

Mortgage

Document Number	0000116917
Date	Feb 28, 2024
Instrument	20240116917

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	ORLANDO, FL 32806

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Feb 22, 2025

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12836 JACOB GRACE CT, WINDERMERE, FL 34786-5711
Transaction Type	Mortgage
Record Updated	Mar 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12836 JACOB GRACE CT, WINDERMERE, FL 34786-5711

Mortgage

Document Number	0000110288
Date	Feb 26, 2024
Instrument	20240110288

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	ORLANDO, FL 32806

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 22, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12836 JACOB GRACE CT, WINDERMERE, FL 34786-5711
Transaction Type	Mortgage
Record Updated	Jul 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12836 JACOB GRACE CT, WINDERMERE, FL 34786-5711

Mortgage

Document Number	20210412933
Date	Jul 12, 2021
Instrument	20210412933

Lender

Name	COGENT BANK
Type	Bank
Address	ORANGE CITY, FL 32763

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE FL
Recording Date	Apr 30, 2020
Property Address	12836 JACOB GRACE CT, WINDERMERE, FL 34786-5711
Document Number	0000260952
Instrument Date	Apr 10, 2020
Instrument	260952
Transaction Type	Transfer
Record Updated	May 15, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	12836 JACOB GRACE CT WINDERMERE FL 347865711, WINDERMERE, FL 34786-5711

February 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	ORANGE FL
Recording Date	Feb 10, 2020
Property Address	12836 JACOB GRACE CT, WINDERMERE, FL 34786-5711
Document Number	0000079105
Map Reference	MB 47 PG 65-70
Instrument Date	Jan 27, 2020
Instrument	20200079105
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	OCEAN TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,802.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 541848, MERRITT ISLAND, FL 32954-1848

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12836 JACOB GRACE CT, WINDERMERE, FL 34786-5711

Mortgage

Document Number	0000079107
Date	Feb 10, 2020
Instrument	20200079107

Lender

Name	COGENT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 12836 Jacob Grace Ct was $14,888, up 3.5% 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		$949,551 (+2.7%)	$1,630,402 (-1.13%) Land $550,000 Building $1,080,402
2025	$14,888.00 (+3.53%) Homeowner's exemption	$924,587	$1,649,056 Land $550,000 Building $1,099,056
2024	$14,381.00 (+7.72%)
2023	$13,350.00 (+3.05%) Homeowner's exemption	$868,476 (+3%)	$1,430,702 (+42.9%) Land $550,000 Building $880,702
2022	$12,955.00 Homeowner's exemption	$843,181	$1,001,224 Land $336,000 Building $665,224

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

Flood

FEMA maps place 12836 Jacob Grace Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File median of 61 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	61 in force
Nearby Flood Claims	3 (2022–2024)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Oct 2024 · Hurricane Milton

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 12836 Jacob Grace Ct is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% 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 101 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, CenturyLink.

Nearby Properties on Jacob Grace Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures