12948 Freeman St, Windermere, FL 34786 Property Records

Orange County property record for 12948 Freeman St, Windermere, FL 34786 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,709 sqft · built 2005
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on File
Last Sale	$615,000 (Feb 2026)
Tax Bill	$4,222 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-23-27-5427-02-090`

Property Details

APN / Parcel Number

Primary APN	`24-23-27-5427-02-090`
Alternative APNs	`272324542702090` `146176` `147346` `149467`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,709 sqft Living Area
Gross Area	3,706 sqft
1st Floor Area	1,485 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	6,000 sqft (0.138 acres)
Garage Type	Attached
Garage Area	523 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	216 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12948 FREEMAN ST
City	WINDERMERE
State	FL
Zip	34786-6631
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKES OF WINDERMERE PH 1 49/108 LOT 209
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	209
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1061
Census Tract	17112

Owner

Source: Orange County records · APN 24-23-27-5427-02-090

Assessment roll updated April 30, 2026 · Last verified August 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 File
Mailing Address	12948 FREEMAN ST, WINDERMERE, FL 34786-6631
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 06, 2026 · Amount on Record
Deed Sale	Feb 06, 2026 · Amount on Record
Prior Sale	Aug 07, 2007 · Amount on Record
Deed Document Number	202674199
Record Updated	Sep 20, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Feb 06, 2026
Property Address	12948 FREEMAN ST, WINDERMERE, FL 34786-6631
Document Number	0000074199
Map Reference	MB 49 PG 108
Instrument Date	Feb 06, 2026
Instrument	20260074199
Transaction Type	Transfer
Record Updated	Feb 20, 2026
Title Company	Z TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,305.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14783 MAGNOLIA RIDGE LOOP, WINTER GARDEN, FL 34787-5635

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	12948 FREEMAN ST, WINDERMERE, FL 34786-6631
Investor	Possibly a Property Investor

Mortgage

Document Number	0000074200
Date	Feb 06, 2026
Instrument	20260074200

Lender

Name	KIND LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2056

Tax Assessment & Valuation

Source: Orange County records · Assessment roll updated April 30, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Florida
County	Orange County
Unified School District	Orange County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$262,536 (+2.7%)	$511,140 (-8.18%) Land $125,000 Building $386,140
2025	$4,222.00 (+6.13%) Homeowner's exemption	$255,634 (+5.99%)	$556,660 (+13.78%) Land $125,000 Building $431,660
2024	$3,978.00 (+7.66%)
2023	$3,695.00 (+4.47%) Homeowner's exemption	$241,194 (+3%)	$489,233 (+25.5%) Land $110,000 Building $379,233
2022	$3,537.00 Homeowner's exemption	$234,169	$389,842 Land $100,000 Building $289,842

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Orange County (12095C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120950171121, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 40 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	40 in force 35 of 40 on primary residences

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
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.