Seminole County property record for 172 E Panama Rd, Winter Springs, FL 32708
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,881 sqft · built 1978 |
| Lot Size | 2.69 acres (117,176 sqft) |
| Owner | Company Name on File |
| Last Sale | $238,000 (Aug 2003) |
| Tax Bill | $3,155 (2025) |
| Deeds & Mortgages | Nov 2021 Line of Credit Aug 2020 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-21-30-5BI-0B00-0100 |
| Primary APN | 02-21-30-5BI-0B00-0100 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,881 sqft Living Area |
| Gross Area | 3,453 sqft |
| 1st Floor Area | 2,307 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 117,176 sqft (2.69 acres) |
| Garage Type | Attached |
| Garage Area | 572 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
| Porch Area | 616 sqft |
| Pole Barn | 1,200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 172 E PANAMA RD |
|---|---|
| City | WINTER SPGS |
| State | FL |
| Zip | 32708-3530 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RC1 |
| Legal Description | W 1/2 OF LOT 10 BLK B NORTH ORLANDO RANCHES SEC 1 PB 12 PG 3 |
| Legal Range | 30E |
| Legal Township | 21S |
| Legal Section | 02 |
| Legal Subdivision | NORTH ORLANDO RANCHES SEC 01 |
| Legal Tract | 5BI |
| Legal Block | B |
| Legal Lot Number | 10 |
| Jurisdiction | SEMINOLE FL |
| Township / Civil Division | CASSELBERRY-ALTAMONTE SPRINGS |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 21404 |
172 E Panama Rd is owned by a company that acquired it in July 2020 and is owner-occupied.
Source: Seminole County records, as of December 29, 2025
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 172 E PANAMA RD, WINTER SPRINGS, FL 32708-3530 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
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 |
|---|---|
| Nov 3, 2021 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Aug 10, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 19, 2003 · Amount on File |
| Deed Sale | Aug 19, 2003 · Amount on File |
| Prior Sale | Aug 1, 1989 · Amount on File |
| Deed Document Number | 2003144884 |
| Deed Book / Page | 4970 / 943 |
| Last Transfer Date | Jul 2, 2020 |
| Transfer Doc | 0096730602 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 172 E PANAMA RD, WINTER SPRINGS, FL 32708-3530 |
| Transaction Type | Mortgage |
| Record Updated | Dec 8, 2025 |
| Title Company | TITLE365 - OMAHA, TITLE365 OMAHA |
| Name | Verified Name |
|---|---|
| Address | 172 E PANAMA RD, WINTER SPRINGS, FL 32708-3530 |
| Document Number | 0100851181 |
|---|---|
| Date | Nov 3, 2021 |
| Book Page | 10085/1181 |
| Instrument | 2021144250 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 2, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Aug 10, 2020 |
| Property Address | 172 E PANAMA RD, WINTER SPRINGS, FL 32708-3530 |
| Document Number | 0096730602 |
| Book / Page | 009673 / 000602 |
| Instrument Date | Jul 2, 2020 |
| Instrument | 86407 |
| Transaction Type | Transfer |
| Record Updated | Sep 14, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 172 E PANAMA RD WINTER SPRINGS FL 327083530, WINTER SPRINGS, FL 32708-3530 |
The 2025 property tax bill for 172 E Panama Rd was $3,155 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 | $3,155.00 Homeowner's exemption | $237,324 | $412,987 Land $148,390 Building $264,597 |
| 2023 | $2,848.00 (+3%) Homeowner's exemption | $223,918 (+3%) | $402,069 (+0.63%) Land $148,390 Building $253,679 |
| 2022 | $2,765.00 Homeowner's exemption | $217,396 | $399,536 Land $148,390 Building $251,146 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 172 E Panama Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2022.
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 |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 1 (2022) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
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 172 E Panama Rd is moderate, ranking above 43% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 43% of the US · lower than 85% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% 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 72 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| WOW Internet, Cable & Phone Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 35 |
| CenturyLink DSL | 140 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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