Seminole County property record for 1009 Sapling Dr, Winter Springs, FL 32708
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,764 sqft · built 1980 |
| Lot Size | 0.237 acres (10,329 sqft) |
| Owner | Individual Name on File |
| Last Sale | $285,000 (Sep 2019) |
| Tax Bill | $3,783 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Apr 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-21-30-501-0000-1020 |
| Primary APN | 12-21-30-501-0000-1020 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,764 sqft Living Area |
| 1st Floor Area | 1,764 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 10,329 sqft |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 1 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 60 sqft |
| Patio Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Solar |
| Street Address | 1009 SAPLING DR |
|---|---|
| City | WINTER SPRINGS |
| State | FL |
| Zip | 32708-4006 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 102 OAK FOREST UNIT 1 PB 22 PGS 81 TO 83 |
| Legal Range | 30E |
| Legal Township | 21S |
| Legal Section | 12 |
| Legal Subdivision | OAK FOREST |
| Legal Tract | 501 |
| Legal Lot Number | 102 |
| Jurisdiction | SEMINOLE FL |
| Township / Civil Division | CASSELBERRY-ALTAMONTE SPRINGS |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 21403 |
1009 Sapling Dr is owned and occupied by an individual who bought it in September 2019.
Source: Seminole County records, as of December 5, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 1009 SAPLING DR, WINTER SPGS, FL 32708-4006 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE CORP |
| Apr 5, 2018 | Deed of Trust, Mortgage · VA Mortgage RP FUNDING INC |
| Sep 6, 2019 | Warranty Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 6, 2019 · Amount on File |
| Deed Sale | Sep 6, 2019 · Amount on File |
| Prior Sale | Apr 4, 2011 · Amount on File |
| Deed Document Number | 2019095901 |
| Deed Book / Page | 09429 / 0540 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 1009 SAPLING DR, WINTER SPRINGS, FL 32708-4006 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1009 SAPLING DR, WINTER SPRINGS, FL 32708-4006 |
| Document Number | 0099981742 |
|---|---|
| Date | Jul 27, 2021 |
| Book Page | 9998/1742 |
| Instrument | 2021099208 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | STRONGSVILLE, OH 44136 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Aug 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 1009 SAPLING DR, WINTER SPRINGS, FL 32708-4006 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0091041540 |
|---|---|
| Date | Apr 5, 2018 |
| Book Page | 09104/1540 |
| Instrument | 2018037028 |
| Name | RP FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | MAITLAND, FL 32751 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Sep 6, 2019 |
| Property Address | 1009 SAPLING DR, WINTER SPRINGS, FL 32708-4006 |
| Document Number | 0094290540 |
| Book / Page | 09429 / 0540 |
| Map Reference | MB 22 PG 81-83 |
| Instrument Date | Aug 29, 2019 |
| Instrument | 2019095901 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | FIRST FLORIDA TTL & TR INCQ |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,995.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2002 JESSAMINE CT, 2002, DELTONA, FL 32738-3424 |
| Name | Verified Name |
|---|---|
| Address | 1162 PASEO DEL MARAPT C #C # C, C, CASSELBERRY, FL 32707 |
| Document Number | 0009429542 |
|---|---|
| Date | Sep 6, 2019 |
| Instrument | 09429/542 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 1, 2034 |
The 2025 property tax bill for 1009 Sapling Dr was $3,783 with a homeowner's exemption.
Source: Seminole County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Seminole County |
| Municipality | Winter Springs City |
| Unified School District | Seminole County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,783.00 Homeowner's exemption | $268,345 | $384,554 Land $90,000 Building $294,554 |
| 2023 | $3,365.00 (+2.84%) Homeowner's exemption | $253,186 (+3%) | $380,019 (+6.87%) Land $90,000 Building $290,019 |
| 2022 | $3,272.00 Homeowner's exemption | $245,812 | $355,588 Land $78,000 Building $277,588 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1009 Sapling Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective November 27, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 47 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 47 in force |
| Nearby Flood Claims | 11 (1995–2022) |
| Claims Outside the SFHA | 6 of 11 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
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 risk around 1009 Sapling Dr is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% 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 | WINTER SPRINGS, CITY OF (3 WPS) serves 34,657 people · EPA ID FL3590879 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2025 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Oct 2017 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 325 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| WOW Internet, Cable & Phone Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 35 |
| CenturyLink DSL | 140 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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