1538 Westover Loop, Lake Mary, FL 32746 Property Records

Seminole County property record for 1538 Westover Loop, Lake Mary, FL 32746

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,171 sqft · built 1996
Lot Size	0.296 acres (12,913 sqft)
Owner	2 Individual Names on File
Last Sale	$100 (Jun 2006)
Tax Bill	$5,993 (2025)
Deeds & Mortgages	Nov 2019 Transfer Aug 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`11-20-29-503-0000-0050`

Property Details

APN / Parcel Number

Primary APN	`11-20-29-503-0000-0050`
Alternative APN	`20291150300000050`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	16 Plumbing Fixtures
Stories	1 Story
Building Area	3,171 sqft Living Area
Gross Area	3,887 sqft
1st Floor Area	3,171 sqft
Basement Area	285 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	12,913 sqft (0.296 acres)
Garage Type	Attached
Garage Area	716 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Open Porch
Porch Area	489 sqft
Patio Area	1 sqft
Water Feature	Water Feature

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	1538 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 5 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	5
Jurisdiction	SEMINOLE FL
Township / Civil Division	SANFORD
Census Block Group	2
Census Block	2004
Census Tract	20704

Owner

1538 Westover Loop is owned and occupied by two individuals who acquired it in November 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	1538 WESTOVER LOOP, LAKE MARY, FL 32746-5099
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
Nov 18, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Aug 28, 2018	Loan Modification, Mortgage · Line of Credit SUNTRUST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2006 · Amount on File
Deed Sale	Jun 1, 2006 · Amount on File
Prior Sale	Dec 16, 2003 · Amount on File
Deed Book / Page	6304 / 521
Last Transfer Date	Nov 13, 2019
Transfer Doc	0094791501
Record Updated	Jun 8, 2026

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SEMINOLE FL
Recording Date	Nov 18, 2019
Property Address	1538 WESTOVER LOOP, LAKE MARY, FL 32746-5099
Document Number	0094791501
Book / Page	009479 / 001501
Instrument Date	Nov 13, 2019
Instrument	125223
Transaction Type	Transfer
Record Updated	Dec 5, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1538 WESTOVER LOOP LAKE MARY FL 327465099, LAKE MARY, FL 32746-5099

August 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SEMINOLE FL
Property Address	1538 WESTOVER LOOP, LAKE MARY, FL 32746-5099
Document Number	0092110699
Instrument Date	Aug 28, 2018
Transaction Type	Mortgage
Record Updated	Oct 5, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1538 WESTOVER LOOP LAKE MARY FL 327465099, LAKE MARY, FL 32746-5099

Mortgage

Document Number	0092110699
Date	Sep 14, 2018
Book Page	009211/000699
Instrument	105709

Lender

Name	SUNTRUST BK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 13, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1538 Westover Loop was $5,993 with a homeowner's exemption.

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	$5,993.00 Homeowner's exemption	$456,708	$711,234 Land $150,000 Building $561,234
2023	$5,508.00 (+2.47%) Homeowner's exemption	$430,910 (+3%)	$615,228 (+6.62%) Land $105,000 Building $510,228
2022	$5,375.00 Homeowner's exemption	$418,359	$577,014 Land $105,000 Building $472,014

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

Flood

FEMA maps place 1538 Westover Loop 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 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

Wildfire risk around 1538 Westover Loop is low, with a 0.01% annual chance of 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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