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12912 Freeman St, Windermere, FL 34786 Property Records

Orange County property record for 12912 Freeman St, Windermere, FL 34786 · Last verified May 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 3,082 sqft · built 2004
Lot Size0.225 acres (9,786 sqft)
Owner2 Individual Names on File
Last Sale$395,000 (Jun 2016)
Tax Bill$10,455 (2025)
Deeds & MortgagesOct 2023 Line of Credit
Jun 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN24-23-27-5427-02-040

Property Details

APN / Parcel Number

Primary APN24-23-27-5427-02-040
Alternative APNs
  • 272324542702040
  • 146170
  • 147340
  • 149461

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories2 Stories
Building Area3,082 sqft Living Area
Gross Area4,421 sqft
1st Floor Area2,405 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2004
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area9,786 sqft (0.225 acres)
Garage TypeAttached
Garage Area483 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Open Porch
Porch Area1,119 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address12912 FREEMAN ST
CityWINDERMERE
StateFL
Zip34786-6631
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLAKES OF WINDERMERE PH 1 49/108 LOT 204
Legal Range27E
Legal Township23S
Legal Section24
Legal SubdivisionLAKES OF WINDERMERE PH 1
Legal Phase1
Legal Tract5427
Legal Block2
Legal Lot Number204
JurisdictionORANGE FL
Township / Civil DivisionSOUTHWEST ORANGE
Census Block Group1
Census Block1061
Census Tract17112

Owner

Source: Orange County records · APN 24-23-27-5427-02-040

Assessment roll updated April 30, 2026 · Last verified May 2026

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

Owner of Record2 Individual Names on File
Mailing Address12912 FREEMAN ST, WINDERMERE, FL 34786-6631
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 18, 2023Deed of Trust, Mortgage · Line of Credit
REGIONS BANK
Jun 07, 2021Deed of Trust, Mortgage · Conventional Mortgage
FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 01, 2016 · Amount on Record
Deed SaleJun 01, 2016 · Amount on Record
Prior SaleJun 12, 2006 · Amount on Record
Deed Document Number2016282189
Record UpdatedJun 08, 2026

October 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionORANGE FL
Property Address12912 FREEMAN ST, WINDERMERE, FL 34786-6631
Transaction TypeMortgage
Record UpdatedNov 01, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address12912 FREEMAN ST, WINDERMERE, FL 34786-6631

Mortgage

Document Number0000605364
DateOct 18, 2023
Instrument20230605364
Lender
NameREGIONS BANK
TypeBank
AddressBIRMINGHAM, AL 35244
Agreement
TypeLine of Credit
AmountAmount Recorded
Term240 Months
DueOct 01, 2043
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

June 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionORANGE FL
Property Address12912 FREEMAN ST, WINDERMERE, FL 34786-6631
Transaction TypeMortgage
Record UpdatedJun 23, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address12912 FREEMAN ST, WINDERMERE, FL 34786-6631

Mortgage

Document Number20210338584
DateJun 07, 2021
Instrument20210338584
Lender
NameFLAGSTAR BANK FSB
TypeBank
AddressTROY, MI 48098
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJun 01, 2051

Tax Assessment & Valuation

Source: Orange County records · Assessment roll updated April 30, 2026 · Last verified May 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOrange County
Unified School DistrictOrange County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$597,800 (+6.92%) Land $125,000 Building $472,800$597,800 (-8.19%) Land $125,000 Building $472,800
2025$10,455.00 (+7.75%)$559,097 (-0.2%)$651,150 (+16.24%) Land $125,000 Building $526,150
2024$9,703.00 (+15.05%)
2023$8,434.00 (+15.82%)$560,191 (+25.12%) Land $110,000 Building $450,191$560,191 (+25.12%) Land $110,000 Building $450,191
2022$7,282.00$447,711 Land $100,000 Building $347,711$447,711 Land $100,000 Building $347,711

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Orange County (12095C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120950171121, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 40 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies40 in force

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 364 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
AT&TFixed Wireless100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: T-Mobile USA, Lumen Technologies. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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