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

Seminole County property record for 118 Stone Gable Cir, Winter Springs, FL 32708

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,733 sqft · built 1999
Lot Size	0.131 acres (5,730 sqft)
Owner	Individual Name on File
Last Sale	$360,000 (Dec 2019)
Tax Bill	$4,010 (2025)
Deeds & Mortgages	Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`35-20-30-503-0000-0100`

Property Details

APN / Parcel Number

Primary APN	`35-20-30-503-0000-0100`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	2,733 sqft Living Area
1st Floor Area	1,362 sqft
2nd Floor Area	1,371 sqft
Upper Floors Area	1,371 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

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	5,730 sqft
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Porch
Porch Area	238 sqft
Patio Area	596 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	118 STONE GABLE CIR
City	WINTER SPRINGS
State	FL
Zip	32708-3233
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 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	10
Jurisdiction	SEMINOLE FL
Township / Civil Division	CASSELBERRY-ALTAMONTE SPRINGS
Census Block Group	3
Census Block	3001
Census Tract	21403

Owner

118 Stone Gable Cir is owned and occupied by an individual who bought it in December 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	118 STONE GABLE CIR, WINTER SPGS, FL 32708-3233
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 2019 · Amount on File
Deed Sale	Dec 31, 2019 · Amount on File
Prior Sale	Feb 5, 1999 · Amount on File
Deed Document Number	2019141795
Deed Book / Page	09509 / 1398
Record Updated	Jun 8, 2026

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Dec 31, 2019
Property Address	118 STONE GABLE CIR, WINTER SPRINGS, FL 32708-3233
Document Number	0095091398
Book / Page	09509 / 1398
Map Reference	MB 54 PG 13&14
Instrument Date	Dec 30, 2019
Instrument	2019141795
Transaction Type	Transfer
Record Updated	Dec 22, 2021
Title Company	LEADING EDGE TTL OF CTRL FL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,520.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	101 WINDSOR CRESENT ST, 101, WINTER SPRINGS, FL 32708-2707

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 STONE GABLE CIR, WINTER SPRINGS, FL 32708-3233

Mortgage

Document Number	0095091400
Date	Dec 31, 2019
Instrument	9509/1400

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 118 Stone Gable Cir was $4,010 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	$4,010.00 Homeowner's exemption	$281,917	$531,147 Land $100,000 Building $431,147
2023	$3,505.00 (+2.88%) Homeowner's exemption	$265,992 (+3%)	$501,762 (+3.9%) Land $100,000 Building $401,762
2022	$3,407.00 Homeowner's exemption	$258,245	$482,920 Land $85,000 Building $397,920

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

Flood

FEMA maps place 118 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 118 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