190 New Gate Loop, Lake Mary, FL 32746 Property Records

Seminole County property record for 190 New Gate Loop, Lake Mary, FL 32746

Property Summary

Property Type	Single Family Home
Details	6 bd · 7 ba · 6,776 sqft · built 1996
Lot Size	1.05 acres (45,874 sqft)
Owner	Individual Name on Record
Last Sale	$2,650,000 (Sep 2023)
Tax Bill	$28,424 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Sep 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-20-29-5KV-0000-0940`

Property Details

APN / Parcel Number

Primary APN	`11-20-29-5KV-0000-0940`

Interior

Bedrooms	6 Beds
Full Baths	7 Baths
Plumbing Fixtures	30 Plumbing Fixtures
Stories	2 Stories
Building Area	6,776 sqft Living Area
1st Floor Area	4,074 sqft
2nd Floor Area	2,702 sqft
Upper Floors Area	2,702 sqft
Interior Walls	Custom/Decorative
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2015
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Footing
Roof Material	Tile
Lot Area	45,874 sqft
Garage Area	1,275 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Porch
Porch Area	6,818 sqft
Patio Area	1 sqft
Utility Building	70 sqft
Water Feature	Water Feature

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	190 NEW GATE LOOP
City	LAKE MARY
State	FL
Zip	32746-4126
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 94 HEATHROW WOODS PB 41 PGS 26 THRU 30
Legal Range	29E
Legal Township	20S
Legal Section	11
Legal Subdivision	HEATHROW WOODS
Legal Lot Number	94
Jurisdiction	SEMINOLE FL
Township / Civil Division	SANFORD
Census Block Group	1
Census Block	1001
Census Tract	20703

Owner

Source: Seminole County records, as of December 5, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	190 NEW GATE LOOP, LAKE MARY, FL 32746-4126
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2025	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Sep 15, 2023	Warranty Deed, Transfer · VA Mortgage MORTGAGE EQUITY PARTNERS LLC
Jan 19, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2023 · Amount on Record
Deed Sale	Sep 15, 2023 · Amount on Record
Prior Sale	Jan 19, 2021 · Amount on Record
Deed Document Number	2023085634
Deed Book / Page	10507 / 1303
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	190 NEW GATE LOOP, LAKE MARY, FL 32746-4126
Transaction Type	Mortgage
Record Updated	Nov 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	190 NEW GATE LOOP, LAKE MARY, FL 32746-4126

Mortgage

Document Number	0109261170
Date	Nov 3, 2025
Book Page	10926/1170
Instrument	2025109106

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2055

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Sep 15, 2023
Property Address	190 NEW GATE LOOP, LAKE MARY, FL 32746-4126
Document Number	0105071303
Book / Page	10507 / 1303
Map Reference	MB 41 PG 26-30
Instrument Date	Sep 14, 2023
Instrument	2023085634
Transaction Type	Transfer
Record Updated	Sep 27, 2023
Title Company	NOT AVAILABLE, FULL CIRCLE TITLE SOLUTIONS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$18,550.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	513 S PINE ST, NEW SMYRNA BEACH, FL 32169-2734

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	190 NEW GATE LOOP, LAKE MARY, FL 32746-4126

Mortgage

Document Number	0105071305
Date	Sep 15, 2023
Instrument	10507/1305

Lender

Name	MORTGAGE EQUITY PARTNERS LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Jan 19, 2021
Property Address	190 NEW GATE LOOP, LAKE MARY, FL 32746-4126
Document Number	0098191407
Book / Page	9819 / 1407
Map Reference	MB 41 PG 26
Instrument Date	Jan 15, 2021
Instrument	2021007584
Transaction Type	Transfer
Record Updated	Mar 6, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$13,300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	190 NEW GATE LOOP, LAKE MARY, FL 32746-4126

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	190 NEW GATE LOOP, LAKE MARY, FL 32746-4126

Tax Assessment & Valuation

Source: Seminole County assessment roll, as of July 1, 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	$28,424.00 (+56.57%) Homeowner's exemption	$2,118,081 (+53.35%)	$2,118,081 (+8.15%) Land $300,000 Building $1,818,081
2023	$18,154.00 (+2.3%) Homeowner's exemption	$1,381,185 (+3%)	$1,958,435 (+24.34%) Land $270,000 Building $1,688,435
2022	$17,745.00 Homeowner's exemption	$1,340,956	$1,575,025 Land $300,000 Building $1,275,025

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

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 94 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	94 in force
Nearby Flood Claims	5 (2017–2022)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	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

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

Wildfire Risk	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% 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 98 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
WOW Internet, Cable & Phone Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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