Seminole County property record for 161 Stone Gable Cir, Winter Springs, FL 32708
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,952 sqft · built 1999 |
| Lot Size | 0.115 acres (5,041 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $131,700 (Jan 2000) |
| Tax Bill | $2,578 (2025) |
| Deeds & Mortgages | Jan 2022 Line of Credit Sep 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 35-20-30-503-0000-0380 |
| Primary APN | 35-20-30-503-0000-0380 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,952 sqft Living Area |
| 1st Floor Area | 1,952 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1999 |
|---|---|
| Exterior Material | Combination |
| Construction Type | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 5,041 sqft |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 348 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 161 STONE GABLE CIR |
|---|---|
| City | WINTER SPRINGS |
| State | FL |
| Zip | 32708-3234 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 38 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 | 38 |
| Jurisdiction | SEMINOLE FL |
| Township / Civil Division | CASSELBERRY-ALTAMONTE SPRINGS |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 21403 |
The current owner of 161 Stone Gable Cir bought it in January 2000.
Source: Seminole County records, as of December 5, 2025
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 161 STONE GABLE CIR, WINTER SPGS, FL 32708-3234 |
| Occupancy | Owner Occupied |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 6, 2022 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Sep 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 14, 2000 · Amount on File |
| Deed Sale | Jan 14, 2000 · Amount on File |
| Deed Document Number | 0378700674 |
| Deed Book / Page | 03787 / 00674 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 161 STONE GABLE CIR, WINTER SPRINGS, FL 32708-3234 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2022 |
| Title Company | TITLE365 - OMAHA, TITLE365 OMAHA |
| Name | Verified Name |
|---|---|
| Address | 161 STONE GABLE CIR, WINTER SPRINGS, FL 32708-3234 |
| Document Number | 0101390493 |
|---|---|
| Date | Jan 6, 2022 |
| Book Page | 10139/493 |
| Instrument | 2022002076 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Dec 18, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 161 STONE GABLE CIR, WINTER SPRINGS, FL 32708-3234 |
| Transaction Type | Mortgage |
| Record Updated | Sep 23, 2021 |
| Title Company | NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 161 STONE GABLE CIR, WINTER SPRINGS, FL 32708-3234 |
| Document Number | 0100400142 |
|---|---|
| Date | Sep 10, 2021 |
| Book Page | 10040/142 |
| Instrument | 2021120348 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 1, 2036 |
The 2025 property tax bill for 161 Stone Gable Cir was $2,578 with a homeowner's exemption.
Source: Seminole County assessment roll, as of July 1, 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 | $2,578.00 Homeowner's exemption | $196,005 | $398,290 Land $100,000 Building $298,290 |
| 2023 | $2,240.00 (+3.18%) Homeowner's exemption | $184,933 (+3%) | $377,405 (+5.64%) Land $100,000 Building $277,405 |
| 2022 | $2,171.00 Homeowner's exemption | $179,547 | $357,248 Land $85,000 Building $272,248 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 161 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 |
|
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 161 Stone Gable Cir is moderate, ranking above 45% of the US, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
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 236 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| WOW Internet, Cable & Phone Fiber | 5,000 / 5,000 |
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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