12872 Penshurst Ln, Windermere, FL 34786 Property Records

Orange County property record for 12872 Penshurst Ln, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,151 sqft · built 2004
Lot Size	0.15 acres (6,544 sqft)
Owner	Individual Name on File
Last Sale	$510,000 (May 2022)
Tax Bill	$8,024 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Feb 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`24-23-27-5427-02-300`

Property Details

APN / Parcel Number

Primary APN	`24-23-27-5427-02-300`
Alternative APNs	`272324542702300` `146202` `147372` `149492`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,151 sqft Living Area
Gross Area	3,105 sqft
1st Floor Area	2,151 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,544 sqft (0.15 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	513 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12872 PENSHURST LN
City	WINDERMERE
State	FL
Zip	34786-6628
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	LAKES OF WINDERMERE PH 1 49/108 LOT 230
Legal Range	27E
Legal Township	23S
Legal Section	24
Legal Subdivision	LAKES OF WINDERMERE PH 1
Legal Phase	1
Legal Tract	5427
Legal Block	2
Legal Lot Number	230
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1057
Census Tract	17112

Owner

12872 Penshurst Ln is owned and occupied by an individual who bought it in May 2022.

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

Owner of Record	Individual Name on File
Mailing Address	12872 PENSHURST LN, WINDERMERE, FL 34786-6628
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
May 27, 2022	Warranty Deed, Transfer · Conventional Mortgage BNC NATIONAL BANK
Feb 19, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2022 · Amount on File
Deed Sale	May 27, 2022 · Amount on File
Prior Sale	Dec 19, 2006 · Amount on File
Deed Document Number	2022336065
Prior Transfer Date	Nov 6, 2013
Prior Transfer Doc	0108779209
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	May 27, 2022
Property Address	12872 PENSHURST LN, WINDERMERE, FL 34786-6628
Document Number	0000336065
Map Reference	MB 49 PG 108-118
Instrument Date	Apr 29, 2022
Instrument	20220336065
Transaction Type	Transfer
Record Updated	Jun 20, 2022
Title Company	CORE TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,570.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7307 DEREXA DR, 7307, WINDERMERE, FL 34786-6393

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12872 PENSHURST LN, WINDERMERE, FL 34786-6628

Mortgage

Document Number	0000336066
Date	May 27, 2022
Instrument	20220336066

Lender

Name	BNC NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2052

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE FL
Recording Date	Feb 19, 2018
Property Address	12872 PENSHURST LN, WINDERMERE, FL 34786-6628
Document Number	0000099130
Instrument Date	Jun 29, 2017
Instrument	99130
Transaction Type	Transfer
Record Updated	Mar 7, 2018
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	Company
Address	1668 STATE ROUTE 27 #B1 EDISON NJ 088173450, B1, EDISON, NJ 08817-3450

Tax Assessment & Valuation

The 2025 property tax bill for 12872 Penshurst Ln was $8,024, down 4.2% 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		$450,260 (-7.65%) Land $125,000 Building $325,260	$450,260 (-7.65%) Land $125,000 Building $325,260
2025	$8,024.00 (-4.19%) Homeowner's exemption	$487,580 Land $125,000 Building $362,580	$487,580 Land $125,000 Building $362,580
2024	$8,375.00 (+13.54%)
2023	$7,376.00 (+29.34%)	$434,931 (+25.32%) Land $110,000 Building $324,931	$434,931 (+25.32%) Land $110,000 Building $324,931
2022	$5,703.00	$347,055 Land $100,000 Building $247,055	$347,055 Land $100,000 Building $247,055

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

Flood

FEMA maps place 12872 Penshurst 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 12872 Penshurst Ln is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.03% 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 364 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
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink, T-Mobile.

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