118 Gingerleaf Ln, Oviedo, FL 32765 Property Records

Seminole County property record for 118 Gingerleaf Ln, Oviedo, FL 32765

Property Summary

Property Type	Single Family Home
Details	6 bd · 5 ba · 4,829 sqft · built 2019
Owner	2 Individual Names on Record
Last Sale	$586,900 (May 2019)
Tax Bill	$9,385 (2025)
Deeds & Mortgages	Feb 2022 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-21-31-513-0000-0730`

Property Details

APN / Parcel Number

Primary APN	`03-21-31-513-0000-0730`

Interior

Bedrooms	6 Beds
Full Baths	5 Baths
Plumbing Fixtures	20 Plumbing Fixtures
Stories	2 Stories
Building Area	4,829 sqft Living Area
1st Floor Area	2,450 sqft
2nd Floor Area	2,379 sqft
Upper Floors Area	2,379 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	600 sqft
Parking Spaces	2 Parking Spaces
Pool Area	1 sqft
Porch	Porch
Porch Area	654 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	118 GINGERLEAF LN
City	OVIEDO
State	FL
Zip	32765-8146
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 73 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	73
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	2 Individual Names on Record
Mailing Address	118 GINGERLEAF LN, OVIEDO, FL 32765-8146
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
May 3, 2019	Grant Deed, Transfer · Conventional Mortgage TAYLOR MORRISON HOME FUNDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2019 · Amount on Record
Deed Sale	May 3, 2019 · Amount on Record
Deed Document Number	2019047068
Deed Book / Page	09347 / 1287
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	118 GINGERLEAF LN, OVIEDO, FL 32765-8146
Transaction Type	Mortgage
Record Updated	Feb 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 GINGERLEAF LN, OVIEDO, FL 32765-8146

Mortgage

Document Number	0101670645
Date	Feb 10, 2022
Book Page	10167/645
Instrument	2022017601

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Mar 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	8.25%
Index	Other
Max Rate	8.25%

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SEMINOLE FL
Recording Date	May 3, 2019
Property Address	118 GINGERLEAF LN, OVIEDO, FL 32765-8146
Document Number	0093471287
Book / Page	009347 / 001287
Instrument Date	Apr 30, 2019
Instrument	47068
Transaction Type	Transfer
Record Updated	May 16, 2019
Title Company	INSPIRED TITLE SERVICES LLC, INSPIRED TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,108.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	118 GINGERLEAF LN OVIEDO FL 327658146, OVIEDO, FL 32765-8146

Mortgage

Document Number	93471289
Date	May 3, 2019
Book Page	009347/001289
Instrument	47069

Lender

Name	TAYLOR MORRISON HOME FUNDING
Type	Funding / Finance Company
Address	MAITLAND, FL 32751

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 2, 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	$9,385.00 (+13.66%) Homeowner's exemption	$604,647 (+5.99%)	$846,333 (+32.51%) Land $130,000 Building $716,333
2023	$8,257.00 (+2.56%) Homeowner's exemption	$570,491 (+3%)	$638,692 (+0.75%) Land $118,000 Building $520,692
2022	$8,051.00 Homeowner's exemption	$553,875	$633,956 Land $118,000 Building $515,956

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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