12903 Cragside Ln, Windermere, FL 34786 Property Records

Orange County property record for 12903 Cragside Ln, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,551 sqft · built 2005
Lot Size	0.205 acres (8,938 sqft)
Owner	2 Company Names on Record
Last Sale	$382,500 (Dec 2019)
Tax Bill	$6,942 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-23-27-5428-04-450`

Property Details

APN / Parcel Number

Primary APN	`24-23-27-5428-04-450`
Alternative APNs	`272324542804450` `146488` `147656` `149777`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,551 sqft Living Area
Gross Area	3,551 sqft
1st Floor Area	2,551 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	8,938 sqft (0.205 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	559 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12903 CRAGSIDE LN
City	WINDERMERE
State	FL
Zip	34786-6662
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	LAKES OF WINDERMERE PHASE 2A 60/63 LOT 445
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	445
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1023
Census Tract	17112

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	12903 CRAGSIDE LN, WINDERMERE, FL 34786-6662
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Apr 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Dec 26, 2019	Warranty Deed, Transfer · Conventional Mortgage BETTER MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 26, 2019 · Amount on Record
Deed Sale	Dec 26, 2019 · Amount on Record
Prior Sale	Apr 10, 2006 · Amount on Record
Deed Document Number	2019804230
Last Transfer Date	Dec 30, 2024
Transfer Doc	0000019867
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12903 CRAGSIDE LN, WINDERMERE, FL 34786-6662
Transaction Type	Mortgage
Record Updated	Jan 3, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000261284
Date	Apr 30, 2021
Instrument	20210261284

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	112 Months
Due	Aug 1, 2030

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12903 CRAGSIDE LN, WINDERMERE, FL 34786-6662
Transaction Type	Mortgage
Record Updated	May 19, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210261284
Date	Apr 30, 2021
Instrument	20210261284

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	112 Months
Due	Aug 1, 2030

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Dec 26, 2019
Property Address	12903 CRAGSIDE LN, WINDERMERE, FL 34786-6662
Document Number	0000804230
Map Reference	MB 60 PG 63-70
Instrument Date	Dec 23, 2019
Instrument	20190804230
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	THE CLOSING AGENT LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,677.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	405 BOULDER CREEK PKWY, 405, LAFAYETTE, LA 70508-1718

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	102 WOODEN EAGLE TRL, KATHLEEN, GA 31047-4137

Mortgage

Document Number	0000804231
Date	Dec 26, 2019
Instrument	20190804231

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2035

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		$432,967 (+2.7%)	$501,940 (-8%) Land $125,000 Building $376,940
2025	$6,942.00 (+4.8%) Homeowner's exemption	$421,584 (+5.99%)	$545,570 (+12.76%) Land $125,000 Building $420,570
2024	$6,624.00 (+7.48%)
2023	$6,163.00 (+3.77%) Homeowner's exemption	$397,770 (+3%)	$483,829 (+25.28%) Land $110,000 Building $373,829
2022	$5,939.00 Homeowner's exemption	$386,184 Land $100,000 Building $286,184	$386,184 Land $100,000 Building $286,184

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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