124 Gingerleaf Ln, Oviedo, FL 32765 Property Records

Seminole County property record for 124 Gingerleaf Ln, Oviedo, FL 32765 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 4,210 sqft · built 2019
Owner	Individual Name on File
Last Sale	$985,000 (Aug 2022)
Tax Bill	$10,858 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-21-31-513-0000-0720`

Property Details

APN / Parcel Number

Primary APN	`03-21-31-513-0000-0720`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Plumbing Fixtures	19 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	419 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Solar

Location & Zoning

Street Address	124 GINGERLEAF LN
City	OVIEDO
State	FL
Zip	32765-8146
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 72 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	72
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	2
Census Block	2020
Census Tract	21313

Owner

Source: Seminole County records · APN 03-21-31-513-0000-0720

Assessment roll updated July 1, 2025 · Last verified December 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 File
Co-owner	Verified Secondary Owner
Mailing Address	124 GINGERLEAF LN, OVIEDO, FL 32765-8146
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2022	Warranty Deed, Transfer · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC
Aug 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Mar 12, 2019	Grant Deed, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 16, 2022 · Amount on Record
Deed Sale	Aug 16, 2022 · Amount on Record
Prior Sale	Mar 12, 2019 · Amount on Record
Deed Document Number	0102981405
Deed Book / Page	10298 / 1405
Record Updated	Jun 08, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Aug 16, 2022
Property Address	124 GINGERLEAF LN, OVIEDO, FL 32765-8146
Document Number	0102981405
Book / Page	10298 / 1405
Map Reference	MB 81 PG 72
Instrument Date	Aug 16, 2022
Instrument	2022094613
Transaction Type	Transfer
Record Updated	Aug 31, 2022
Title Company	FIRST SERVICE TITLE, FIRST SERVICE TTL OF FL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$6,895.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1341 S 3RD ST, 1341, COLUMBUS, OH 43207-1004

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 GINGERLEAF LN, OVIEDO, FL 32765-8146

Mortgage

Document Number	0102981406
Date	Aug 16, 2022
Instrument	10298/1406

Lender

Name	WYNDHAM CAPITAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2052

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	124 GINGERLEAF LN, OVIEDO, FL 32765-8146
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0096790460
Date	Aug 17, 2020
Book Page	9679/460
Instrument	2020089456

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2050

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SEMINOLE FL
Recording Date	Mar 12, 2019
Property Address	124 GINGERLEAF LN, OVIEDO, FL 32765-8146
Document Number	0093131056
Book / Page	009313 / 001056
Instrument Date	Mar 11, 2019
Instrument	25824
Transaction Type	Transfer
Record Updated	Mar 27, 2019
Title Company	INSPIRED TITLE SERVICES LLC, INSPIRED TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,981.20
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	124 GINGERLEAF LN OVIEDO FL 327658146, OVIEDO, FL 32765-8146

Mortgage

Document Number	93131058
Date	Mar 12, 2019
Book Page	009313/001058
Instrument	25825

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 11, 2049

Tax Assessment & Valuation

Source: Seminole County records · Assessment roll updated July 1, 2025 · Last verified December 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,858.00 (+13.59%) Homeowner's exemption	$693,050 (+5.99%)	$852,978 (+30.44%) Land $130,000 Building $722,978
2023	$9,559.00 (+20.15%) Homeowner's exemption	$653,901 (+19.35%)	$653,901 (+0.77%) Land $118,000 Building $535,901
2022	$7,956.00	$547,884	$648,912 Land $118,000 Building $530,912

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Seminole County (12117C), updated November 27, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121170213132, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 61 individual NFIP policies nearby
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, tidal / storm surge, Hurricane Milton
Claims By Storm	Hurricane Ian, Oct 2022 · 3 claims Hurricane Ian, Sep 2022 · 8 claims Hurricane Irma, Sep 2017 · 8 claims

Wildfire

Wildfire Risk	High above 71% of the US · above 52% of Florida
Wildfire Likelihood	About 1 in 357 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 60 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Spectrum, WOW Internet, Cable & Phone, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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