1534 Westover Loop, Lake Mary, FL 32746 Property Records

Seminole County property record for 1534 Westover Loop, Lake Mary, FL 32746

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,006 sqft · built 1996
Lot Size	0.305 acres (13,285 sqft)
Owner	2 Individual Names on File
Last Sale	$980,000 (Aug 2026)
Tax Bill	$293 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Aug 2026 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`11-20-29-503-0000-0040`

Property Details

APN / Parcel Number

Primary APN	`11-20-29-503-0000-0040`
Alternative APN	`20291150300000040`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	3,006 sqft Living Area
Gross Area	3,722 sqft
1st Floor Area	3,006 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Tile
Lot Area	13,285 sqft (0.305 acres)
Garage Type	Attached
Garage Area	716 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Open Porch
Porch Area	289 sqft
Patio Area	409 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	1534 WESTOVER LOOP
City	LAKE MARY
State	FL
Zip	32746-5099
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 4 WESTOVER PB 51 PGS 32 THRU 35
Legal Range	29E
Legal Township	20S
Legal Section	11
Legal Subdivision	WESTOVER
Legal Tract	503
Legal Lot Number	4
Jurisdiction	SEMINOLE FL
Township / Civil Division	SANFORD
Census Block Group	2
Census Block	2004
Census Tract	20704

Owner

Source: Seminole County records, as of September 1, 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	1534 WESTOVER LOOP, LAKE MARY, FL 32746-5099
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 18, 2026	Guardian's Deed, Transfer NONE LISTED ON DOCUMENT
Aug 18, 2026	Guardian's Deed, Transfer NONE LISTED ON DOCUMENT
Jul 16, 2018	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2026 · Amount on File
Deed Sale	Aug 18, 2026 · Amount on File
Prior Sale	Jul 16, 2018 · Amount on File
Deed Document Number	202682279
Deed Book / Page	11096 / 637
Prior Transfer Date	Nov 16, 2011
Prior Transfer Doc	0000124116
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Aug 18, 2026
Property Address	1534 WESTOVER LOOP, LAKE MARY, FL 32746-5099
Document Number	0000082279
Book / Page	11096 / 637
Instrument Date	Aug 14, 2026
Instrument	202682279
Transaction Type	Transfer
Record Updated	Sep 1, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$692,860.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1534 WESTOVER LOOP, LAKE MARY, FL 32746-5099

Mortgage

Document Number	0000082282,
Date	Aug 18, 2026
Instrument	202682282

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

August 2026: Guardian's Deed, Transfer

Document Type	Guardian's Deed
Jurisdiction	SEMINOLE FL
Recording Date	Aug 18, 2026
Property Address	1534 WESTOVER LOOP, LAKE MARY, FL 32746-5099
Document Number	0000082280
Book / Page	11096 / 639
Instrument Date	Aug 14, 2026
Instrument	202682280
Transaction Type	Transfer
Record Updated	Sep 1, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1534 WESTOVER LOOP, LAKE MARY, FL 32746-5099

August 2026: Guardian's Deed, Transfer

Document Type	Guardian's Deed
Jurisdiction	SEMINOLE FL
Recording Date	Aug 18, 2026
Property Address	1534 WESTOVER LOOP, LAKE MARY, FL 32746-5099
Document Number	0000082281
Book / Page	11096 / 641
Instrument Date	Aug 14, 2026
Instrument	202682281
Transaction Type	Transfer
Record Updated	Sep 1, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1534 WESTOVER LOOP, LAKE MARY, FL 32746-5099

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Jul 16, 2018
Property Address	1534 WESTOVER LOOP, LAKE MARY, FL 32746-5099
Document Number	0091730069
Book / Page	09173 / 0069
Map Reference	MB51 PG32
Instrument Date	Jul 12, 2018
Instrument	2018081217
Transaction Type	Transfer
Record Updated	Dec 22, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,937.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1534 WESTOVER LOOP, 1534, LAKE MARY, FL 32746-5099

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1534 WESTOVER LOOP, LAKE MARY, FL 32746-5099

Mortgage

Document Number	2018081218
Date	Jul 16, 2018
Instrument	2018081218

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

Source: Seminole County assessment roll, as of December 29, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Seminole County
Unified School District	Seminole County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$293.00 (-95.23%) Homeowner's exemption Veteran's exemption	$508,222 (+5.99%)	$682,947 (+15.85%) Land $150,000 Building $532,947
2023	$6,143.00 (+2.45%) Homeowner's exemption	$479,514 (+3%)	$589,518 (+6.55%) Land $105,000 Building $484,518
2022	$5,996.00 Homeowner's exemption	$465,548	$553,285 Land $105,000 Building $448,285

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 File median of 21 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	21 in force
Nearby Flood Claims	4 (2008–2017)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Tropical Storm Fay, Aug 2008 · 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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	SEMINOLE COUNTY NORTHWEST serves 31,986 people · EPA ID FL3594107
Water Source	Groundwater
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2023
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 114 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: WOW Internet, Cable & Phone.

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