108 Stone Gable Cir, Winter Springs, FL 32708 Property Records

Seminole County property record for 108 Stone Gable Cir, Winter Springs, FL 32708

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,492 sqft · built 1999
Lot Size	0.129 acres (5,625 sqft)
Owner	2 Owner Names on File
Last Sale	$234,357 (Aug 2002)
Tax Bill	$4,368 (2025)
Deeds & Mortgages	Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`35-20-30-503-0000-0050`

Property Details

APN / Parcel Number

Primary APN	`35-20-30-503-0000-0050`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	15 Plumbing Fixtures
Stories	2 Stories
Building Area	3,492 sqft Living Area
1st Floor Area	1,572 sqft
2nd Floor Area	1,920 sqft
Upper Floors Area	1,920 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	5,625 sqft
Garage Area	450 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	166 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	108 STONE GABLE CIR
City	WINTER SPRINGS
State	FL
Zip	32708-3233
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 STONE GABLE PB 54 PGS 13 & 14
Legal Range	30E
Legal Township	20S
Legal Section	35
Legal Subdivision	STONE GABLE
Legal Tract	503
Legal Lot Number	5
Jurisdiction	SEMINOLE FL
Township / Civil Division	CASSELBERRY-ALTAMONTE SPRINGS
Census Block Group	3
Census Block	3001
Census Tract	21403

Owner

The current owner of 108 Stone Gable Cir bought it in August 2002.

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

Owner of Record	2 Owner Names on File
Mailing Address	108 STONE GABLE CIR, WINTER SPGS, FL 32708-3233
Occupancy	Owner Occupied

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2002 · Amount on File
Deed Sale	Aug 22, 2002 · Amount on File
Prior Sale	Dec 1, 1999 · Amount on File
Deed Document Number	0449800101
Deed Book / Page	04498 / 00101
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	108 STONE GABLE CIR, WINTER SPRINGS, FL 32708-3233
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0098490632
Date	Feb 18, 2021
Book Page	9849/632
Instrument	2021022126

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company
Address	INDEPENDENCE, OH 44131

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 108 Stone Gable Cir was $4,368 with a homeowner's exemption.

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	$4,368.00 Homeowner's exemption	$303,408	$607,577 Land $100,000 Building $507,577
2023	$3,821.00 (+2.83%) Homeowner's exemption	$286,269 (+3%)	$570,964 (+3.6%) Land $100,000 Building $470,964
2022	$3,716.00 Homeowner's exemption	$277,931	$551,148 Land $85,000 Building $466,148

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 108 Stone Gable Cir 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 54 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	54 in force
Nearby Flood Claims	7 (2017–2022)
Claims Outside the SFHA	4 of 7
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 3 claims Hurricane Ian, Sep 2022 · 2 claims Hurricane Irma, Sep 2017 · 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

Wildfire risk around 108 Stone Gable Cir is moderate, ranking above 45% of the US, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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 236 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
WOW Internet, Cable & Phone Fiber	5,000 / 5,000
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20