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

Seminole County property record for 138 Stone Gable Cir, Winter Springs, FL 32708

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,302 sqft · built 1999
Lot Size	0.126 acres (5,500 sqft)
Owner	2 Individual Names on File
Last Sale	$430,000 (Dec 2021)
Tax Bill	$5,616 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`35-20-30-503-0000-0200`

Property Details

APN / Parcel Number

Primary APN	`35-20-30-503-0000-0200`
Alternative APN	`20303550300000200`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	2,302 sqft Living Area
Gross Area	2,722 sqft
1st Floor Area	1,952 sqft
Upper Floors Area	350 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	5,500 sqft (0.126 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	28 sqft
Patio Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	138 STONE GABLE CIR
City	WINTER SPGS
State	FL
Zip	32708-3233
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 20 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	20
Jurisdiction	SEMINOLE FL
Township / Civil Division	CASSELBERRY-ALTAMONTE SPRINGS
Census Block Group	3
Census Block	3001
Census Tract	21403

Owner

138 Stone Gable Cir is owned and occupied by two individuals who bought it in December 2021.

Source: Seminole County records, as of December 29, 2025

Owner of Record	2 Individual Names on File
Mailing Address	138 STONE GABLE CIR, WINTER SPRINGS, 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

Date	Document
Dec 28, 2021	Warranty Deed, Transfer · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Sep 24, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage FLAGSTAR BANK FSB
Apr 3, 2019	Warranty Deed, Transfer · Conventional Mortgage HOME1ST LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 28, 2021 · Amount on File
Deed Sale	Dec 28, 2021 · Amount on File
Prior Sale	Apr 3, 2019 · Amount on File
Deed Document Number	2021167190
Deed Book / Page	10130 / 1718
Prior Transfer Date	Sep 1, 2020
Prior Transfer Doc	0097131404
Record Updated	Jun 8, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Dec 28, 2021
Property Address	138 STONE GABLE CIR, WINTER SPRINGS, FL 32708-3233
Document Number	0101301718
Book / Page	10130 / 1718
Map Reference	MB 54 PG 13
Instrument Date	Dec 16, 2021
Instrument	2021167190
Transaction Type	Transfer
Record Updated	Jan 26, 2022
Title Company	FIVE STAR TITLE SERVICES INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,010.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5152 KINGWELL CIR, 5152, OVIEDO, FL 32765-9048

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 STONE GABLE CIR, WINTER SPRINGS, FL 32708-3233

Mortgage

Document Number	0101301720
Date	Dec 28, 2021
Instrument	10130/1720

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

September 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SEMINOLE FL
Recording Date	Sep 24, 2020
Property Address	138 STONE GABLE CIR, WINTER SPRINGS, FL 32708-3233
Document Number	0097131404
Book / Page	9713 / 1404
Map Reference	MB 54 PG 13&14
Instrument Date	Sep 1, 2020
Instrument	2020107046
Transaction Type	Transfer
Record Updated	Dec 22, 2021
Title Company	FIDELITY NATL TTL OF FL INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 STONE GABLE CIR, WINTER SPRINGS, FL 32708-3233

Mortgage

Document Number	0097131406
Date	Sep 24, 2020
Instrument	9713/1406

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Apr 3, 2019
Property Address	138 STONE GABLE CIR, WINTER SPRINGS, FL 32708-3233
Document Number	0093271846
Book / Page	09327 / 1846
Map Reference	MB 54 PG 13&14
Instrument Date	Mar 29, 2019
Instrument	2019034661
Transaction Type	Transfer
Record Updated	Dec 22, 2021
Title Company	BROKERS TTL OF LONGWOOD I LL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,072.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	404 HORIZON DR, 404, WINTER SPRINGS, FL 32708-3352

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 STONE GABLE CIR, WINTER SPRINGS, FL 32708-3233

Mortgage

Document Number	2019034662
Date	Apr 3, 2019
Instrument	2019034662

Lender

Name	HOME1ST LENDING LLC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 138 Stone Gable Cir was $5,616 with a homeowner's exemption.

Source: Seminole County assessment roll, as of December 29, 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	$5,616.00 Homeowner's exemption	$389,337	$442,532 Land $100,000 Building $342,532
2023	$5,087.00 (+2.71%) Homeowner's exemption	$367,344 (+3%)	$417,964 (+4.56%) Land $100,000 Building $317,964
2022	$4,953.00 Homeowner's exemption	$356,645	$399,737 Land $85,000 Building $314,737

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

Flood

FEMA maps place 138 Stone Gable Cir in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2017.

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
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 138 Stone Gable Cir is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% 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 241 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
WOW Internet, Cable & Phone Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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