12841 Droxford Rd, Windermere, FL 34786 Property Records

Orange County property record for 12841 Droxford Rd, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,721 sqft · built 2005
Lot Size	0.171 acres (7,427 sqft)
Owner	2 Individual Names on Record
Last Sale	$419,000 (May 2020)
Tax Bill	$6,245 (2025)
Deeds & Mortgages	May 2020 Sale & Mortgage Jun 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-23-27-5428-03-620`

Property Details

APN / Parcel Number

Primary APN	`24-23-27-5428-03-620`
Alternative APNs	`272324542803620` `146386` `147557` `149677`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,721 sqft Living Area
Gross Area	3,577 sqft
1st Floor Area	1,347 sqft
Flooring	Ceramic Tile
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	7,427 sqft (0.171 acres)
Garage Type	Attached
Garage Area	396 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	218 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12841 DROXFORD RD
City	WINDERMERE
State	FL
Zip	34786-6648
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	LAKES OF WINDERMERE PHASE 2A 60/63 LOT 362
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	362
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1004
Census Tract	17112

Owner

Source: Orange County records, as of May 4, 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	12841 DROXFORD RD, WINDERMERE, FL 34786-6648
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2020	Warranty Deed, Transfer · Conventional Mortgage STEARNS LNDG LLC
Jun 28, 2019	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2020 · Amount on Record
Deed Sale	May 26, 2020 · Amount on Record
Prior Sale	Jan 17, 2008 · Amount on Record
Deed Document Number	2020294963
Prior Transfer Date	Dec 13, 2007
Prior Transfer Doc	0000035490
Record Updated	Jun 8, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	May 26, 2020
Property Address	12841 DROXFORD RD, WINDERMERE, FL 34786-6648
Document Number	0000294963
Instrument Date	May 13, 2020
Instrument	294963
Transaction Type	Transfer
Record Updated	Jun 9, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,933.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12841 DROXFORD RD WINDERMERE FL 347866648, WINDERMERE, FL 34786-6648

Mortgage

Document Number	294964
Date	May 26, 2020
Instrument	294964

Lender

Name	STEARNS LNDG LLC
Address	LEWISVILLE, TX 75057

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 25, 2050

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12841 DROXFORD RD, WINDERMERE, FL 34786-6648
Document Number	0000411481
Instrument Date	Jun 28, 2019
Transaction Type	Mortgage
Record Updated	Jul 19, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12841 DROXFORD RD WINDERMERE FL 347866648, WINDERMERE, FL 34786-6648

Mortgage

Document Number	0000411481
Date	Jul 5, 2019
Instrument	411481

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Jul 4, 2034

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		$389,275 (+2.7%)	$528,880 (-7.78%) Land $135,000 Building $393,880
2025	$6,245.00 (+5.05%) Homeowner's exemption	$379,041 (+5.99%)	$573,480 (+9.31%) Land $135,000 Building $438,480
2024	$5,945.00 (+7.5%)
2023	$5,530.00 (+3.89%) Homeowner's exemption	$357,630 (+3%)	$524,635 (+23.72%) Land $135,000 Building $389,635
2022	$5,323.00 Homeowner's exemption	$347,214	$424,057 Land $125,000 Building $299,057

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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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