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

Seminole County property record for 162 Stone Gable Cir, Winter Springs, FL 32708

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,302 sqft · built 1999
Lot Size0.126 acres (5,500 sqft)
Owner2 Trust Names on File
Last Sale$146,500 (Jun 1999)
Tax Bill$2,758 (2025)
Deeds & MortgagesJan 2026 Second Mortgage
Jan 2021 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN35-20-30-503-0000-0350

Property Details

APN / Parcel Number

Primary APN35-20-30-503-0000-0350
Alternative APN
  • 20303550300000350

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures11 Plumbing Fixtures
Stories2 Stories
Building Area2,302 sqft Living Area
Gross Area2,722 sqft
1st Floor Area1,952 sqft
Upper Floors Area350 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1999
Effective Year BuiltEffective 1999
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeCathedral/Clerestory
Roof MaterialComposition Shingle
Lot Area5,500 sqft (0.126 acres)
Garage TypeAttached
Garage Area420 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchOpen Porch
Porch Area28 sqft
Patio Area1 sqft
Shed1 Shed
Shed Area1 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Street Address162 STONE GABLE CIR
CityWINTER SPRINGS
StateFL
Zip32708-3235
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePUD
Legal DescriptionLOT 35 STONE GABLE PB 54 PGS 13 & 14
Legal Range30E
Legal Township20S
Legal Section35
Legal SubdivisionSTONE GABLE
Legal Tract503
Legal Lot Number35
JurisdictionSEMINOLE FL
Township / Civil DivisionCASSELBERRY-ALTAMONTE SPRINGS
Census Block Group3
Census Block3001
Census Tract21403

Owner

162 Stone Gable Cir is owner-occupied and held in a trust since February 2018.

Source: Seminole County records, as of February 6, 2026

Owner of Record2 Trust Names on File
Mailing Address162 STONE GABLE CIR, WINTER SPRINGS, FL 32708-3235
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust

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

DateDocument
Jan 28, 2026Deed of Trust, Mortgage · Stand-Alone Second Mortgage
NAVY FCU
Jan 15, 2021Deed of Trust, Mortgage · VA Mortgage
QUICKEN LOANS LLC
Feb 20, 2018Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 4, 1999 · Amount on File
Deed SaleJun 4, 1999 · Amount on File
Deed Book / Page3662 / 1575
Last Transfer DateFeb 5, 2018
Transfer Doc0090771981
Record UpdatedJun 8, 2026

January 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSEMINOLE FL
Property Address162 STONE GABLE CIR, WINTER SPRINGS, FL 32708-3235
Transaction TypeMortgage
Record UpdatedFeb 6, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address162 STONE GABLE CIR, WINTER SPRINGS, FL 32708-3235

Mortgage

Document Number0109730490
DateJan 28, 2026
Book Page10973/490
Instrument2026008476
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
TypeStand-Alone Second Mortgage
AmountAmount on Record
Term121 Months
DueFeb 1, 2036

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSEMINOLE FL
Property Address162 STONE GABLE CIR, WINTER SPRINGS, FL 32708-3235
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyAMROCK INC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0098180348
DateJan 15, 2021
Book Page9818/348
Instrument2021006861
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeVA Mortgage
AmountAmount on Record
Term181 Months
DueFeb 1, 2036

February 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSEMINOLE FL
Recording DateFeb 20, 2018
Property Address162 STONE GABLE CIR, WINTER SPRINGS, FL 32708-3235
Document Number0090771981
Book / Page009077 / 001981
Instrument DateFeb 5, 2018
Instrument19234
Transaction TypeTransfer
Record UpdatedMar 6, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLife Estate
Address162 STONE GABLE CIR WINTER SPRINGS FL 327083235, WINTER SPRINGS, FL 32708-3235

Tax Assessment & Valuation

The 2025 property tax bill for 162 Stone Gable Cir was $2,758 with exemptions applied.

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

Property Jurisdictions

TypeName
StateFlorida
CountySeminole County
MunicipalityWinter Springs City
Unified School DistrictSeminole County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,758.00 Homeowner's exemption Veteran's exemption$217,806$442,932 Land $100,000 Building $342,932
2023$2,561.00 (+3.06%) Homeowner's exemption$205,503 (+3%)$417,564 (+4.56%) Land $100,000 Building $317,564
2022$2,485.00 Homeowner's exemption$199,517$399,337 Land $85,000 Building $314,337

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

Flood

FEMA maps place 162 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 54 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies54 in force
Nearby Flood Claims7 (2017–2022)
Claims Outside the SFHA4 of 7
Most Recent ClaimSep 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 162 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 RiskModerate
above 45% of the US · lower than 84% of Florida
Wildfire Likelihood0.06% annual chance
ExposureDirect
burnable vegetation

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 SystemWINTER SPRINGS, CITY OF (3 WPS)
serves 34,657 people · EPA ID FL3590879
Water SourceGroundwater
Last State InspectionApr 2025
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityTotal trihalomethanes
resolved · Oct 2017
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 236 locations within half a mile, as of December 31, 2025

ProviderMax 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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