Orange County property record for 12924 Freeman St, Windermere, FL 34786
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,151 sqft · built 2004 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $115,000 (Sep 2013) |
| Tax Bill | $3,496 (2025) |
| Deeds & Mortgages | Mar 2026 Line of Credit Mar 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-23-27-5427-02-050 |
| Primary APN | 24-23-27-5427-02-050 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,151 sqft Living Area |
| Gross Area | 2,865 sqft |
| 1st Floor Area | 2,151 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 | 6,000 sqft (0.138 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 273 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 12924 FREEMAN ST |
|---|---|
| City | WINDERMERE |
| State | FL |
| Zip | 34786-6631 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | P-D |
| Legal Description | LAKES OF WINDERMERE PH 1 49/108 LOT 205 |
| 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 | 205 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 1 |
| Census Block | 1061 |
| Census Tract | 17112 |
Source: Orange County records · APN 24-23-27-5427-02-050
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 Record | Individual Name on File |
|---|---|
| Mailing Address | 12924 FREEMAN ST, WINDERMERE, FL 34786-6631 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 18, 2026 | Deed of Trust, Mortgage · Line of Credit ADDITION FINANCIAL CU |
| Mar 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CENTENNIAL BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 05, 2013 · Amount on Record |
| Deed Sale | Sep 05, 2013 · Amount on Record |
| Prior Sale | Aug 10, 2004 · Amount on Record |
| Deed Document Number | 2013471955 |
| Deed Book / Page | 10629 / 3293 |
| Prior Transfer Date | Aug 03, 2004 |
| Prior Transfer Doc | 0000512315 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 12924 FREEMAN ST, WINDERMERE, FL 34786-6631 |
| Transaction Type | Mortgage |
| Record Updated | Apr 01, 2026 |
| Title Company | PRIMERA TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 12924 FREEMAN ST, WINDERMERE, FL 34786-6631 |
| Document Number | 0000155775 |
|---|---|
| Date | Mar 18, 2026 |
| Instrument | 20260155775 |
| Name | ADDITION FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | LAKE MARY, FL 32746 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 420 Months |
| Due | Mar 17, 2061 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 12924 FREEMAN ST, WINDERMERE, FL 34786-6631 |
| Document Number | 0000218787 |
| Instrument Date | Mar 30, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 04, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Address | 12924 FREEMAN ST WINDERMERE FL 347866631, WINDERMERE, FL 34786-6631 |
| Document Number | 0000218787 |
|---|---|
| Date | Apr 07, 2020 |
| Instrument | 218787 |
| Name | CENTENNIAL BK |
|---|---|
| Type | Bank |
| Address | CONWAY, AR 72033 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 06, 2050 |
Source: Orange County records · Assessment roll updated April 30, 2026 · Last verified May 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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $218,996 (+3.65%) | $438,430 (-7.7%) Land $125,000 Building $313,430 | |
| 2025 | $3,496.00 (+6.88%) Homeowner's exemption | $211,291 (+5.99%) | $475,020 (+12.77%) Land $125,000 Building $350,020 |
| 2024 | $3,271.00 (+7.78%) | ||
| 2023 | $3,035.00 (+4.84%) Homeowner's exemption | $199,355 (+3%) | $421,223 (+24.52%) Land $110,000 Building $311,223 |
| 2022 | $2,895.00 Homeowner's exemption | $193,549 | $338,271 Land $100,000 Building $238,271 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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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