Orange County property record for 12937 Freeman St, Windermere, FL 34786
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,989 sqft · built 2004 |
| Lot Size | 0.162 acres (7,075 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $424,000 (Sep 2006) |
| Tax Bill | $4,569 (2025) |
| Deeds & Mortgages | Aug 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-23-27-5427-02-170 |
| Primary APN | 24-23-27-5427-02-170 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,989 sqft Living Area |
| Gross Area | 3,782 sqft |
| 1st Floor Area | 2,520 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 | 7,075 sqft (0.162 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 269 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 12937 FREEMAN ST |
|---|---|
| City | WINDERMERE |
| State | FL |
| Zip | 34786-6632 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | P-D |
| Legal Description | LAKES OF WINDERMERE PH 1 49/108 LOT 217 |
| 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 | 217 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 1 |
| Census Block | 1062 |
| Census Tract | 17112 |
Source: Orange County records, as of May 4, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 12937 FREEMAN ST, WINDERMERE, FL 34786-6632 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 7, 2006 · Amount on Record |
| Deed Sale | Sep 7, 2006 · Amount on Record |
| Prior Sale | Jul 27, 2004 · Amount on Record |
| Deed Document Number | 2006589862 |
| Deed Book / Page | 8847 / 1443 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 12937 FREEMAN ST, WINDERMERE, FL 34786-6632 |
| Document Number | 0000502359 |
| Instrument Date | Aug 15, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 17, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 12937 FREEMAN ST WINDERMERE FL 347866632, WINDERMERE, FL 34786-6632 |
| Document Number | 0000502359 |
|---|---|
| Date | Aug 23, 2018 |
| Instrument | 502359 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 22, 2033 |
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 | $284,278 (+2.7%) | $542,920 (-8.23%) Land $125,000 Building $417,920 | |
| 2025 | $4,569.00 (+5.86%) Homeowner's exemption | $276,804 (+5.99%) | $591,630 (+12.69%) Land $125,000 Building $466,630 |
| 2024 | $4,316.00 (+7.63%) | ||
| 2023 | $4,010.00 (+5.17%) Homeowner's exemption | $261,168 (+3.8%) | $524,984 (+26.62%) Land $110,000 Building $414,984 |
| 2022 | $3,813.00 Homeowner's exemption | $251,619 | $414,600 Land $100,000 Building $314,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% 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 364 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 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: CenturyLink, T-Mobile.
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