2012 Watermere Ln, Windermere, FL 34786 Property Records

Orange County property record for 2012 Watermere Ln, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,704 sqft · built 2004
Lot Size	0.673 acres (29,329 sqft)
Owner	2 Individual Names on Record
Last Sale	$900,000 (Jan 2022)
Tax Bill	$14,300 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-23-27-9150-00-020`

Property Details

APN / Parcel Number

Primary APN	`01-23-27-9150-00-020`
Alternative APNs	`272301915000020` `131151` `131936` `133450`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,704 sqft Living Area
Gross Area	5,427 sqft
1st Floor Area	2,026 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	29,329 sqft (0.673 acres)
Garage Type	Attached
Garage Area	781 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	555 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	2012 WATERMERE LN
City	WINDERMERE
State	FL
Zip	34786-6118
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-CE-C
Legal Description	WINDERMERE GRANDE 54/63 LOT 2
Legal Range	27E
Legal Township	23S
Legal Section	01
Legal Subdivision	WINDERMERE GRANDE
Legal Tract	9150
Legal Lot Number	2
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1024
Census Tract	17120

Owner

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	10914 LEDGEMENT LN, WINDERMERE, FL 34786-6422
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2022	Warranty Deed, Transfer · Conventional Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC
Oct 30, 2018	Warranty Deed, Transfer · ARM ANGEL OAK MORTGAGE SOLUTIONS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2022 · Amount on Record
Deed Sale	Jan 3, 2022 · Amount on Record
Prior Sale	Oct 30, 2018 · Amount on Record
Deed Document Number	20221641
Record Updated	Oct 29, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jan 3, 2022
Property Address	2012 WATERMERE LN, WINDERMERE, FL 34786-6118
Document Number	0000001641
Map Reference	MB 54 PG 63&64
Instrument Date	Dec 23, 2021
Instrument	20220001641
Transaction Type	Transfer
Record Updated	Jan 18, 2022
Title Company	FLORIDA TITLE AND TRUST LLC, FLORIDA TITLE & TRUST LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	NIS QUEBRA FRASCOS, BRASIL XX

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10914 LEDGEMENT LN, WINDERMERE, FL 34786-6422

Mortgage

Document Number	0000001642
Date	Jan 3, 2022
Instrument	20220001642

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Oct 30, 2018
Property Address	2012 WATERMERE LN, WINDERMERE, FL 34786-6118
Document Number	0000634169
Map Reference	MB 54 PG 63&64
Instrument Date	Oct 22, 2018
Instrument	20180634169
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	EQUITABLE TITLE OF DR PHILLI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,711.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1786 GUILFORD RD, 1786, DELAWARE, OH 73015

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7600 SOUTHLAND BLVD # 305, 305, ORLANDO, FL 32809-6975

Mortgage

Document Number	0000634171
Date	Oct 30, 2018
Instrument	20180634171

Lender

Name	ANGEL OAK MORTGAGE SOLUTIONS LLC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	7.86%
Type Change Date	Nov 1, 2023
Change Frequency	Annually
Min Rate At Change	5.86%
Max Rate At Change	9.86%
Index	1-Year LIBOR
Margin	6
Max Rate	12.8%

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		$889,290 (-1.39%) Land $150,000 Building $739,290	$889,290 (-1.39%) Land $150,000 Building $739,290
2025	$14,300.00 (-0.03%)	$901,850 (+10.36%) Land $150,000 Building $751,850	$901,850 (+10.36%) Land $150,000 Building $751,850
2024	$14,305.00 (+12.67%)
2023	$12,696.00 (+12.1%)	$817,175 (+14.82%) Land $150,000 Building $667,175	$817,175 (+14.82%) Land $150,000 Building $667,175
2022	$11,326.00	$711,680 Land $150,000 Building $561,680	$711,680 Land $150,000 Building $561,680

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 54 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	54 in force
Nearby Flood Claims	2 (2022)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 2 claims

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 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.07% 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	WINTER GARDEN WATER DEPT (3 WPS) serves 72,205 people · EPA ID FL3481481
Water Source	Groundwater
Last State Inspection	Feb 2024
Also Mapped Here	OCUD/SOUTHERN WATER SYS (5 WPS), OCUD/WESTERN REGIONAL WTR SYS (5 WPS)
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 55 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Nearby Properties on Watermere Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures