106 Gingerleaf Ln, Oviedo, FL 32765 Property Records

Seminole County property record for 106 Gingerleaf Ln, Oviedo, FL 32765

Property Summary

Property Type	Single Family Home
Details	6 bd · 4 ba · 4,210 sqft · built 2019
Owner	Individual Name on Record
Last Sale	$637,200 (Sep 2019)
Tax Bill	$9,203 (2025)
Deeds & Mortgages	Jan 2020 Line of Credit Feb 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-21-31-513-0000-0750`

Property Details

APN / Parcel Number

Primary APN	`03-21-31-513-0000-0750`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Plumbing Fixtures	15 Plumbing Fixtures
Stories	2 Stories
Building Area	4,210 sqft Living Area
1st Floor Area	2,205 sqft
2nd Floor Area	2,005 sqft
Upper Floors Area	2,005 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Garage Area	589 sqft
Parking Spaces	2 Parking Spaces
Pool Area	1 sqft
Porch	Porch
Porch Area	407 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	106 GINGERLEAF LN
City	OVIEDO
State	FL
Zip	32765-8146
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 75 SOUTHERN OAKS PHASE THREE PB 81 PGS 72-74
Legal Range	31
Legal Township	21
Legal Section	03
Legal Subdivision	SOUTHERN OAKS
Legal Phase	3
Legal Tract	513
Legal Lot Number	75
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	2
Census Block	2020
Census Tract	21313

Owner

Source: Seminole County records, as of December 5, 2025

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
Co-owner	Co-owner on Record
Mailing Address	106 GINGERLEAF LN, OVIEDO, FL 32765-8146
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2020	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Feb 3, 2020	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Sep 23, 2019	Special Warranty Deed, Transfer · Conventional Mortgage PREMIER HOME FUNDING CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2019 · Amount on Record
Deed Sale	Sep 23, 2019 · Amount on Record
Deed Document Number	2019103093
Deed Book / Page	09441 / 1595
Record Updated	Jun 8, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	106 GINGERLEAF LN, OVIEDO, FL 32765-8146
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0095290677
Date	Jan 31, 2020
Book Page	09529/0677
Instrument	2020011796

Lender

Name	PNC BANK NA
Type	Bank
Address	LONGWOOD, FL 32750

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Jan 10, 2060

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	106 GINGERLEAF LN, OVIEDO, FL 32765-8146
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0095300499
Date	Feb 3, 2020
Book Page	09530/0499
Instrument	2020012366

Lender

Name	PNC BANK NA
Type	Bank
Address	LONGWOOD, FL 32750

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jan 24, 2050

September 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Sep 23, 2019
Property Address	106 GINGERLEAF LN, OVIEDO, FL 32765-8146
Document Number	0094411595
Book / Page	09441 / 1595
Map Reference	MB 81 PG 72-74
Instrument Date	Aug 28, 2019
Instrument	2019103093
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	INSPIRED TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,460.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2600 LAKE LUCIEN DR STE 350, 2600, MAITLAND, FL 32751-7489

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 GINGERLEAF LN, OVIEDO, FL 32765-8146

Mortgage

Document Number	0094411597
Date	Sep 23, 2019
Instrument	09441/1597

Lender

Name	PREMIER HOME FUNDING CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

Source: Seminole County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Seminole County
Municipality	Winter Springs City
Unified School District	Seminole County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,203.00 (+13.67%) Homeowner's exemption	$593,668 (+5.99%)	$848,607 (+30.37%) Land $130,000 Building $718,607
2023	$8,096.00 (+2.57%) Homeowner's exemption	$560,133 (+3%)	$650,901 (+0.77%) Land $118,000 Building $532,901
2022	$7,893.00 Homeowner's exemption	$543,818	$645,915 Land $118,000 Building $527,915

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 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 61 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	61 in force
Nearby Flood Claims	27 (1994–2024)
Claims Outside the SFHA	9 of 27
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Ian, Oct 2022 · 3 claims Hurricane Ian, Sep 2022 · 8 claims Hurricane Irma, Sep 2017 · 8 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	High above 70% of the US · above 52% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 60 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, WOW Internet, Cable & Phone.

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