Orange County property record for 12907 Freeman St, Windermere, FL 34786
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,460 sqft · built 2004 |
| Lot Size | 0.202 acres (8,779 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $580,000 (Jul 2026) |
| Tax Bill | $5,166 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-23-27-5427-02-120 |
| Primary APN | 24-23-27-5427-02-120 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,460 sqft Living Area |
| Gross Area | 3,110 sqft |
| 1st Floor Area | 2,460 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,779 sqft (0.202 acres) |
| Garage Type | Attached |
| Garage Area | 432 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 218 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 12907 FREEMAN ST |
|---|---|
| City | WINDERMERE |
| State | FL |
| Zip | 34786-6632 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | P-D |
| Legal Description | LAKES OF WINDERMERE PH 1 49/108 LOT 212 |
| 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 | 212 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 1 |
| Census Block | 1062 |
| Census Tract | 17112 |
Source: Orange County records · APN 24-23-27-5427-02-120
Assessment roll updated April 30, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 12907 FREEMAN ST, WINDERMERE, FL 34786-6632 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jul 31, 2026 | Warranty Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC |
| Nov 02, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE FIRM |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 31, 2026 · Amount on Record |
| Deed Sale | Jul 31, 2026 · Amount on Record |
| Prior Sale | Nov 09, 2016 · Amount on Record |
| Deed Document Number | 2026426569 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Jul 31, 2026 |
| Property Address | 12907 FREEMAN ST, WINDERMERE, FL 34786-6632 |
| Document Number | 0000426569 |
| Instrument Date | Jul 28, 2026 |
| Instrument | 2026426569 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2026 |
| Title Company | TEXAS TITLE SOLUTIONS, TOTAL TITLE SOLUTIONS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $410,060.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12907 FREEMAN ST, WINDERMERE, FL 34786-6632 |
| Investor | Possibly a Property Investor |
| Document Number | 0000426570, |
|---|---|
| Date | Jul 31, 2026 |
| Instrument | 2026426570 |
| Name | ARK-LA-TEX FINANCIAL SERVICES LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.47% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 12907 FREEMAN ST, WINDERMERE, FL 34786-6632 |
| Document Number | 0000592384 |
| Instrument Date | Nov 02, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 01, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Address | 12907 FREEMAN ST WINDERMERE FL 347866632, WINDERMERE, FL 34786-6632 |
| Document Number | 0000592384 |
|---|---|
| Date | Nov 12, 2020 |
| Instrument | 592384 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 11, 2050 |
Source: Orange County records · Assessment roll updated April 30, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Unified School District | Orange County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $321,641 (+2.7%) | $481,450 (-7.6%) Land $125,000 Building $356,450 | |
| 2025 | $5,166.00 (+5.51%) Homeowner's exemption | $313,185 (+5.99%) | $521,050 (+12.81%) Land $125,000 Building $396,050 |
| 2024 | $4,896.00 (+7.58%) | ||
| 2023 | $4,551.00 (+4.14%) Homeowner's exemption | $295,494 (+3%) | $461,900 (+24.88%) Land $110,000 Building $351,900 |
| 2022 | $4,370.00 Homeowner's exemption | $286,887 | $369,882 Land $100,000 Building $269,882 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Low lower than 66% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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: Lumen Technologies, T-Mobile USA.
Based on FCC filings for 364 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | OCUD/SOUTHERN WATER SYS (5 WPS) serves 80,738 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2024 |
| Lead | 2 ppb (2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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