Orange County property record for 12927 Penshurst Ln, Windermere, FL 34786
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,948 sqft · built 2007 |
| Lot Size | 0.15 acres (6,518 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $323,000 (May 2007) |
| Tax Bill | $3,442 (2025) |
| Deeds & Mortgages | May 2022 Line of Credit Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-23-27-5430-04-980 |
| Primary APN | 26-23-27-5430-04-980 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,948 sqft Living Area |
| Gross Area | 2,903 sqft |
| 1st Floor Area | 1,948 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,518 sqft (0.15 acres) |
| Garage Type | Attached |
| Garage Area | 465 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 490 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 12927 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 498 |
| 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 | 498 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 17112 |
12927 Penshurst Ln is owned and occupied by two individuals who acquired it in November 2020.
Source: Orange County records, as of August 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12927 PENSHURST LN, WINDERMERE, FL 34786-6672 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 20, 2022 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Nov 13, 2020 | Quit Claim Deed, Transfer SEACOAST NAT'L BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 8, 2007 · Amount on File |
| Deed Sale | May 8, 2007 · Amount on File |
| Deed Document Number | 2007297089 |
| Deed Book / Page | 9247 / 3765 |
| Last Transfer Date | Nov 5, 2020 |
| Transfer Doc | 0000596224 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 12927 PENSHURST LN, WINDERMERE, FL 34786-6672 |
| Transaction Type | Mortgage |
| Record Updated | Jun 13, 2022 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC |
| Name | Verified Name |
|---|---|
| Address | 12927 PENSHURSI LN, WINDERMERE, FL 34786-6672 |
| Document Number | 0000321560 |
|---|---|
| Date | May 20, 2022 |
| Instrument | 20220321560 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 25, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Nov 13, 2020 |
| Property Address | 12927 PENSHURST LN, WINDERMERE, FL 34786-6672 |
| Document Number | 0000596224 |
| Instrument Date | Nov 5, 2020 |
| Instrument | 596224 |
| Transaction Type | Transfer |
| Record Updated | Nov 26, 2020 |
| Title Company | CITY TITLE, CITY TITLE SVCS |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 12927 PENSHURST LN WINDERMERE FL 347866672, WINDERMERE, FL 34786-6672 |
| Document Number | 596225 |
|---|---|
| Date | Nov 13, 2020 |
| Instrument | 596225 |
| Name | SEACOAST NAT'L BK |
|---|---|
| Type | Bank |
| Address | STUART, FL 34994 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Nov 12, 2050 |
The 2025 property tax bill for 12927 Penshurst Ln was $3,442, up 6.9% from the year before.
Source: Orange County assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Unified School District | Orange County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $216,176 (+2.7%) | $439,420 (-8.06%) Land $125,000 Building $314,420 | |
| 2025 | $3,442.00 (+6.93%) Homeowner's exemption | $210,493 | $477,920 Land $125,000 Building $352,920 |
| 2024 | $3,219.00 (+7.8%) | ||
| 2023 | $2,986.00 (+5.44%) Homeowner's exemption | $198,603 (+3.52%) | $404,950 (+23.12%) Land $110,000 Building $294,950 |
| 2022 | $2,832.00 Homeowner's exemption | $191,848 | $328,919 Land $100,000 Building $228,919 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12927 Penshurst Ln in Zone X, an area of minimal flood risk.
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 File 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 risk around 12927 Penshurst Ln is low, with a 0.03% annual chance of 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.
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 |
| 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.
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 |
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