12937 Droxford Rd, Windermere, FL 34786 Property Records

Orange County property record for 12937 Droxford Rd, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,460 sqft · built 2005
Lot Size	0.149 acres (6,499 sqft)
Owner	Individual Name on Record
Last Sale	$236,000 (Jan 2013)
Tax Bill	$698 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-23-27-5428-04-230`

Property Details

APN / Parcel Number

Primary APN	`24-23-27-5428-04-230`
Alternative APNs	`272324542804230` `146461` `147631` `149750`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,460 sqft Living Area
Gross Area	3,117 sqft
1st Floor Area	2,460 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,499 sqft (0.149 acres)
Garage Type	Attached
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	225 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12937 DROXFORD RD
City	WINDERMERE
State	FL
Zip	34786-6650
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	LAKES OF WINDERMERE PHASE 2A 60/63 LOT 423
Legal Range	27E
Legal Township	23S
Legal Section	24
Legal Subdivision	LAKES OF WINDERMERE PH 2A
Legal Phase	2A
Legal Tract	5428
Legal Block	4
Legal Lot Number	423
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1021
Census Tract	17112

Owner

Source: Orange County records, as of June 2, 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 Record
Mailing Address	12937 DROXFORD RD, WINDERMERE, FL 34786-6650
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2023	Deed of Trust, Mortgage · Conventional Mortgage THIRD FSLA OF CLEVELAND
Mar 8, 2021	Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC
Mar 8, 2021	Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 28, 2013 · Amount on Record
Deed Sale	Jan 28, 2013 · Amount on Record
Prior Sale	Nov 15, 2012 · Amount on Record
Deed Document Number	201352395
Deed Book / Page	10511 / 8304
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12937 DROXFORD RD, WINDERMERE, FL 34786-6650
Transaction Type	Mortgage
Record Updated	Apr 12, 2023
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12937 DROXFORD RD, WINDERMERE, FL 34786-6650

Mortgage

Document Number	0000180993
Date	Apr 3, 2023
Instrument	20230180993

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Mar 29, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.54%
Type Change Date	Mar 1, 2028
Change Frequency	6 Months
Min Rate At Change	4.54%
Max Rate At Change	8.54%
Index	Prime Rate
Max Rate	12.5%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12937 DROXFORD RD, WINDERMERE, FL 34786-6650
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12937 DROXFORD RD, WINDERMERE, FL 34786-6650

Mortgage

Document Number	0000134123
Date	Mar 8, 2021
Instrument	20210134123

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 1, 2041

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12937 DROXFORD RD, WINDERMERE, FL 34786-6650
Transaction Type	Mortgage
Record Updated	Mar 26, 2021
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12937 DROXFORD RD, WINDERMERE, FL 34786-6650

Mortgage

Document Number	20210134123
Date	Mar 8, 2021
Instrument	20210134123

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 1, 2041

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		$354,171 (+2.7%)	$473,130 (-7.94%) Land $125,000 Building $348,130
2025	$698.00 (+24.42%) Homeowner's exemption	$344,860 (+5.99%)	$513,930 (+12.81%) Land $125,000 Building $388,930
2024	$561.00 (+7.68%)
2023	$521.00 (+12.04%) Homeowner's exemption	$325,380 (+3%)	$455,581 (+25.03%) Land $110,000 Building $345,581
2022	$465.00 Homeowner's exemption	$315,903	$364,363 Land $100,000 Building $264,363

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
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

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	Moderate above 47% of the US · lower than 82% of Florida
Wildfire Likelihood	0.1% 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 230 locations within half a mile, as of December 31, 2025

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

May also be available: CenturyLink.

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