12974 Kegan St, Windermere, FL 34786 Property Records

Orange County property record for 12974 Kegan St, Windermere, FL 34786

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 1,420 sqft · built 2008
Lot Size	0.55 acres (2,400 sqft)
Owner	Individual Name on Record
Last Sale	$390,000 (Feb 2024)
Tax Bill	$5,915 (2025)
Deeds & Mortgages	May 2026 Sale Feb 2024 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`25-23-27-9148-00-070`

Property Details

APN / Parcel Number

Primary APN	`25-23-27-9148-00-070`
Alternative APNs	`272325914800070` `148039` `149209` `151328`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,420 sqft Living Area
Gross Area	2,024 sqft
1st Floor Area	760 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Townhouse
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	2,400 sqft (0.55 acres)
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	24 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12974 KEGAN ST
City	WINDERMERE
State	FL
Zip	34786-6328
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	P-D
Legal Description	WICKHAM PARK 66/28 LOT 7
Legal Range	27E
Legal Township	23S
Legal Section	25
Legal Subdivision	WICKHAM PARK
Legal Tract	9148
Legal Lot Number	7
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2008
Census Tract	17112

Owner

Source: Orange County records, as of July 20, 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	12507 MONTALCINO CIR, WINDERMERE, FL 34786-5675
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
May 15, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Feb 7, 2024	Deed of Trust, Mortgage · Line of Credit THE LOAN STORE INC
Dec 5, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jun 30, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage PARTNERS FCU
Nov 16, 2020	Deed of Trust, Mortgage · Line of Credit PARTNERS FCU
May 2, 2019	Deed of Trust, Mortgage · Conventional Mortgage PARTNERS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 19, 2024 · Amount on Record
Deed Sale	Feb 19, 2024 · Amount on Record
Prior Sale	Oct 1, 2008 · Amount on Record
Deed Document Number	202497476
Prior Transfer Date	Nov 28, 2023
Prior Transfer Doc	0000698882
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	May 15, 2026
Property Address	12974 KEGAN ST, WINDERMERE, FL 34786-6328
Document Number	0000274851
Instrument Date	May 4, 2026
Instrument	2026274851
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$70.70
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	12507 MONTALCINO CIR, WINDERMERE, FL 34786-5675

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12974 KEGAN ST, WINDERMERE, FL 34786-6328
Transaction Type	Mortgage
Record Updated	Feb 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12974 KEGAN ST, WINDERMERE, FL 34786-6328

Mortgage

Document Number	0000074425
Date	Feb 7, 2024
Instrument	20240074425

Lender

Name	THE LOAN STORE INC
Type	Mortgage Company
Address	TUCSON, AZ 85718

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 27, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE FL
Recording Date	Dec 5, 2023
Property Address	12974 KEGAN ST, WINDERMERE, FL 34786-6328
Document Number	0000698882
Map Reference	MB 66 PG 28-38
Instrument Date	Nov 28, 2023
Instrument	20230698882
Transaction Type	Transfer
Record Updated	Dec 21, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1231 WRIGHT CIR UNIT 305, 305, CELEBRATION, FL 34747-4095

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12974 KEGAN ST, WINDERMERE, FL 34786-6328

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE FL
Recording Date	Jun 30, 2021
Property Address	12974 KEGAN ST, WINDERMERE, FL 34786-6328
Document Number	20210391344
Map Reference	MB 66 PG 28-38
Instrument Date	Jun 23, 2021
Instrument	20210391344
Transaction Type	Transfer
Record Updated	Jul 21, 2021
Title Company	SOUTHERN TITLE HOLDING COMPANY LLC, SOUTHERN TITLE HLDG CO LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12974 KEGAN ST, WINDERMERE, FL 34786-6328

Mortgage

Document Number	20210391345
Date	Jun 30, 2021
Instrument	20210391345

Lender

Name	PARTNERS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12974 KEGAN ST, WINDERMERE, FL 34786-6328
Document Number	0000617379
Instrument Date	Nov 16, 2020
Transaction Type	Mortgage
Record Updated	Dec 16, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	12974 KEGAN ST WINDERMERE FL 347866328, WINDERMERE, FL 34786-6328

Mortgage

Document Number	0000617379
Date	Nov 25, 2020
Instrument	617379

Lender

Name	PARTNERS FCU
Type	Credit Union
Address	ORLANDO, FL 32821

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Nov 24, 2040

Interest

Rate Type	Adjustable Rate

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	12974 KEGAN ST, WINDERMERE, FL 34786-6328
Document Number	0000286987
Instrument Date	May 2, 2019
Transaction Type	Mortgage
Record Updated	May 23, 2019
Title Company	SOUTHERN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	12974 KEGAN ST WINDERMERE FL 347866328, WINDERMERE, FL 34786-6328

Mortgage

Document Number	0000286987
Date	May 8, 2019
Instrument	286987

Lender

Name	PARTNERS FCU
Type	Credit Union
Address	ORLANDO, FL 32621

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 7, 2049

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		$321,760 (-1.22%) Land $70,000 Building $251,760	$321,760 (-1.22%) Land $70,000 Building $251,760
2025	$5,915.00 (+128.64%) Homeowner's exemption	$325,730 (+98.13%) Land $70,000 Building $255,730	$325,730 (+13.82%) Land $70,000 Building $255,730
2024	$2,587.00 (+7.48%)
2023	$2,407.00 (+4.93%) Homeowner's exemption	$164,402 (+3%)	$286,173 (+8.11%) Land $75,000 Building $211,173
2022	$2,294.00 Homeowner's exemption	$159,614	$264,703 Land $70,000 Building $194,703

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.

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 84 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	84 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	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.02% 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 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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