12921 Penshurst Ln, Windermere, FL 34786 Property Records

Orange County property record for 12921 Penshurst Ln, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,014 sqft · built 2007
Lot Size	0.18 acres (7,823 sqft)
Owner	2 Individual Names on Record
Last Sale	$720,000 (Jul 2024)
Tax Bill	$8,268 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-23-27-5430-04-990`

Property Details

APN / Parcel Number

Primary APN	`26-23-27-5430-04-990`
Alternative APNs	`272326543004990` `149620` `150790` `152909`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,014 sqft Living Area
Gross Area	4,223 sqft
1st Floor Area	2,318 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,823 sqft (0.18 acres)
Garage Type	Attached
Garage Area	652 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	434 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12921 PENSHURST LN
City	WINDERMERE
State	FL
Zip	34786-6672
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	LAKES OF WINDERMERE PHASE 3 66/64 LOT 499
Legal Range	27E
Legal Township	23S
Legal Section	26
Legal Subdivision	LAKES OF WINDERMERE PH 3
Legal Phase	3
Legal Tract	5430
Legal Block	4
Legal Lot Number	499
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1025
Census Tract	17112

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	12921 PENSHURST LN, WINDERMERE, FL 34786-6672
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2024 · Amount on Record
Deed Sale	Jul 17, 2024 · Amount on Record
Prior Sale	Sep 20, 2021 · Amount on Record
Deed Document Number	2024414268
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Sep 20, 2021
Property Address	12921 PENSHURST LN, WINDERMERE, FL 34786-6672
Document Number	20210569658
Map Reference	MB 66 PG 64-67
Instrument Date	Aug 9, 2021
Instrument	20210569658
Transaction Type	Transfer
Record Updated	Oct 5, 2021
Title Company	ARTESIAN TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,745.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4854 S HARBOR DR APT 301, 4854, VERO BEACH, FL 32967-7004

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12921 PENSHURST LN, WINDERMERE, FL 34786-6672

Mortgage

Document Number	20210569659
Date	Sep 20, 2021
Instrument	20210569659

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

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		$523,332 (+2.7%)	$574,670 (-8.38%) Land $125,000 Building $449,670
2025	$8,268.00 (+11.41%) Homeowner's exemption	$509,574 (+12.95%)	$627,250 (+13.57%) Land $125,000 Building $502,250
2024	$7,421.00 (+7.5%)
2023	$6,903.00 (+3.65%) Homeowner's exemption	$451,152 (+3%)	$552,316 (+26.1%) Land $110,000 Building $442,316
2022	$6,660.00 Homeowner's exemption	$438,012 Land $100,000 Building $338,012	$438,012 Land $100,000 Building $338,012

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 80% of the US · lower than 93% 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 356 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20