263 E Panama Rd, Winter Springs, FL 32708 Property Records

Seminole County property record for 263 E Panama Rd, Winter Springs, FL 32708

Property Summary

Property Type	Residential Vacant Land
Lot Size	2.52 acres (109,771 sqft)
Owner	Individual Name on File
Last Sale	$530,000 (Feb 2024)
Tax Bill	$6,119 (2025)
Deeds & Mortgages	Aug 2025 Construction Loan Feb 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-21-30-506-0F00-0010`

Property Details

APN / Parcel Number

Primary APN	`02-21-30-506-0F00-0010`

Exterior

Lot Area	109,771 sqft (2.52 acres)

Location & Zoning

Street Address	263 E PANAMA RD
City	WINTER SPRINGS
State	FL
Zip	32708-3515
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	LOT 1 BLK F NORTH ORLANDO RANCHES SECTION 1A PB 12 PG 32
Legal Range	30E
Legal Township	21S
Legal Section	02
Legal Subdivision	NORTH ORLANDO RANCHES SEC 01A
Legal Tract	506
Legal Block	F
Legal Lot Number	1
Jurisdiction	SEMINOLE FL
Township / Civil Division	CASSELBERRY-ALTAMONTE SPRINGS
Census Block Group	5
Census Block	5012
Census Tract	21404

Owner

263 E Panama Rd, residential vacant land, is owned by an individual who bought it in February 2024.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1732 BILLIE LYNN PT, SANFORD, FL 32773-7049
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
Aug 29, 2025	Deed of Trust, Mortgage · Construction Mortgage FAIRWINDS CU
Feb 14, 2024	Warranty Deed, Transfer · Conventional Mortgage MIDFLORIDA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 14, 2024 · Amount on File
Deed Sale	Feb 14, 2024 · Amount on File
Prior Sale	Jun 9, 2006
Deed Document Number	2024013430
Deed Book / Page	10579 / 1556
Record Updated	Jun 8, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	263 E PANAMA RD, WINTER SPRINGS, FL 32708-3515
Transaction Type	Mortgage
Record Updated	Dec 8, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1732 BILLIE LYNN PT, SANFORD, FL 32773-7049

Mortgage

Document Number	0108881764
Date	Aug 29, 2025
Book Page	10888/1764
Instrument	2025085691

Lender

Name	FAIRWINDS CU
Type	Credit Union
Address	ORLANDO, FL 32826

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Sep 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Sep 1, 2036
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.8%
Index	SOFR Average 30-Day
Max Rate	10.8%

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Feb 14, 2024
Property Address	263 E PANAMA RD, WINTER SPRINGS, FL 32708-3515
Document Number	0105791556
Book / Page	10579 / 1556
Map Reference	MB 12 PG 31&32
Instrument Date	Feb 8, 2024
Instrument	2024013430
Transaction Type	Transfer
Record Updated	Dec 8, 2025
Title Company	CELEBRATION TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,710.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 196205, WINTER SPRINGS, FL 32719-6205

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1732 BILLIE LYNN PT, SANFORD, FL 32773-7049

Mortgage

Document Number	0105791560
Date	Feb 14, 2024
Instrument	10579/1560

Lender

Name	MIDFLORIDA CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2039

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Mar 1, 2025
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	7%
Index	1-Year T-Bill
Max Rate	10%

Tax Assessment & Valuation

The 2025 property tax bill for 263 E Panama Rd was $6,119.

Source: Seminole County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Seminole County
Municipality	Winter Springs City
Unified School District	Seminole County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,119.00	$378,000	$378,000 Land $378,000
2023	$1,980.00 (+5.26%)	$138,600 (-)	$138,600 (-) Land $138,600
2022	$1,881.00	$138,600 Land $138,600	$138,600 Land $138,600

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 263 E Panama Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims 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	8 in force
Nearby Flood Claims	3 (2022)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 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 263 E Panama Rd is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Direct 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 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

Violations Reported to EPA

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.

Internet Providers

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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