Seminole County property record for 1508 Black Bear Ct, Winter Springs, FL 32708
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,445 sqft · built 1986 |
| Lot Size | 0.893 acres (38,878 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $650,000 (Jun 2020) |
| Tax Bill | $10,501 (2025) |
| Deeds & Mortgages | Oct 2026 Mortgage Mar 2024 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-21-31-5GB-0000-0070 |
| Primary APN | 07-21-31-5GB-0000-0070 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 18 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 3,445 sqft Living Area |
| Gross Area | 4,309 sqft |
| 1st Floor Area | 2,483 sqft |
| Upper Floors Area | 962 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Concrete Block/Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Footing |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 38,878 sqft (0.893 acres) |
| Garage Type | Attached |
| Garage Area | 864 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 1 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 869 sqft |
| Deck Area | Deck Area |
| Patio Area | 1,752 sqft |
| Outdoor Kitchen / BBQ | Outdoor Kitchen / BBQ |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 1508 BLACK BEAR CT |
|---|---|
| City | WINTER SPRINGS |
| State | FL |
| Zip | 32708-3860 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | LOT 7 BEAR CREEK ESTATES PB 26 PGS 57 TO 59 |
| Legal Range | 31E |
| Legal Township | 21S |
| Legal Section | 07 |
| Legal Subdivision | BEAR CREEK ESTATES |
| Legal Tract | 5GB |
| Legal Lot Number | 7 |
| Jurisdiction | SEMINOLE FL |
| Township / Civil Division | OVIEDO |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 21313 |
1508 Black Bear Ct is owned and occupied by two individuals who bought it in June 2020.
Source: Seminole County records, as of October 14, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1508 BLACK BEAR CT, WINTER SPRINGS, FL 32708-3860 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 1, 2026 | Deed of Trust, Mortgage · Conventional Mortgage EVERETT FINANCIAL INC |
| Mar 19, 2024 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Jan 21, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ANGEL OAK MORTGAGE SOLUTIONS LLC |
| Jun 16, 2020 | Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 16, 2020 · Amount on File |
| Deed Sale | Jun 16, 2020 · Amount on File |
| Prior Sale | Dec 23, 2015 · Amount on File |
| Deed Document Number | 202062374 |
| Deed Book / Page | 9626 / 141 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Oct 1, 2026 |
| Property Address | 1508 BLACK BEAR CT, WINTER SPRINGS, FL 32708-3860 |
| Document Number | 0000097609 |
| Book / Page | 11121 / 1242 |
| Instrument Date | Sep 22, 2026 |
| Instrument | 202697609 |
| Transaction Type | Mortgage |
| Record Updated | Oct 14, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1508 BLACK BEAR CT, WINTER SPRINGS, FL 32708-3860 |
| Document Number | 0000097609, |
|---|---|
| Date | Oct 1, 2026 |
| Book Page | 11121/1242 |
| Instrument | 202697609 |
| Name | EVERETT FINANCIAL INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 1508 BLACK BEAR CT, WINTER SPRINGS, FL 32708-3860 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2024 |
| Name | Verified Name |
|---|---|
| Address | 1508 BLACK BEAR CT, WINTER SPRINGS, FL 32708-3860 |
| Document Number | 0105971400 |
|---|---|
| Date | Mar 19, 2024 |
| Book Page | 10597/1400 |
| Instrument | 2024024127 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 9, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 1508 BLACK BEAR CT, WINTER SPRINGS, FL 32708-3860 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1508 BLACK BEAR CT, WINTER SPRINGS, FL 32708-3860 |
| Document Number | 0101520618 |
|---|---|
| Date | Jan 21, 2022 |
| Book Page | 10152/618 |
| Instrument | 2022009275 |
| Name | ANGEL OAK MORTGAGE SOLUTIONS LLC |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30328 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Jun 16, 2020 |
| Property Address | 1508 BLACK BEAR CT, WINTER SPRINGS, FL 32708-3860 |
| Document Number | 0096260141 |
| Book / Page | 9626 / 141 |
| Map Reference | MB 26 PG 57 |
| Instrument Date | Jun 15, 2020 |
| Instrument | 2020062374 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,550.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1508 BLACK BEAR CT, 1508, WINTER SPRINGS, FL 32708-3860 |
| Name | Verified Name |
|---|---|
| Address | 1508 BLACK BEAR CT, WINTER SPRINGS, FL 32708-3860 |
| Document Number | 0009626143 |
|---|---|
| Date | Jun 16, 2020 |
| Instrument | 9626/143 |
| Name | FIRST NATIONAL BANK OF AMERICA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 5, 2050 |
The 2025 property tax bill for 1508 Black Bear Ct was $10,501 with a homeowner's exemption.
Source: Seminole County assessment roll, as of December 29, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Seminole County |
| Municipality | Winter Springs City |
| Unified School District | Seminole County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $10,501.00 Homeowner's exemption | $678,973 | $968,862 Land $185,000 Building $783,862 |
| 2023 | $9,516.00 (+2.59%) Homeowner's exemption | $640,619 (+3%) | $729,106 (+0.74%) Land $140,000 Building $589,106 |
| 2022 | $9,276.00 Homeowner's exemption | $621,960 | $723,785 Land $140,000 Building $583,785 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1508 Black Bear Ct 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 30 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 30 in force |
| Nearby Flood Claims | 1 (2021) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 2021 · other causes |
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 risk around 1508 Black Bear Ct 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 200 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| WOW Internet, Cable & Phone Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 35 |
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