3095 Heartleaf Pl, Winter Park, FL 32792 Property Records

Seminole County property record for 3095 Heartleaf Pl, Winter Park, FL 32792

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,995 sqft · built 1997
Lot Size	0.236 acres (10,285 sqft)
Owner	2 Individual Names on Record
Last Sale	$100 (Sep 2015)
Tax Bill	$2,692 (2025)
Deeds & Mortgages	Feb 2026 Transfer Feb 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23-21-30-5LT-0000-0860`

Property Details

APN / Parcel Number

Primary APN	`23-21-30-5LT-0000-0860`
Alternative APN	`2130235LT00000860`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,995 sqft Living Area
Gross Area	2,395 sqft
1st Floor Area	1,835 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,285 sqft (0.236 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3095 HEARTLEAF PL
City	WINTER PARK
State	FL
Zip	32792-8159
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	LOT 86 LOST CREEK PB 46 PGS 72 THRU 75
Legal Range	30E
Legal Township	21S
Legal Section	23
Legal Subdivision	LOST CREEK
Legal Tract	5LT
Legal Lot Number	86
Jurisdiction	SEMINOLE FL
Township / Civil Division	CASSELBERRY-ALTAMONTE SPRINGS
Census Block Group	3
Census Block	3000
Census Tract	22206

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	3095 HEARTLEAF PL, WINTER PARK, FL 32792-8159
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2026	Intrafamily Transfer, Transfer
Feb 26, 2021	Intrafamily Transfer, Transfer
Jun 6, 2020	Deed of Trust, Mortgage · VA Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2015 · Amount on Record
Deed Sale	Sep 1, 2015 · Amount on Record
Prior Sale	Nov 7, 2014 · Amount on Record
Deed Book / Page	8584 / 1638
Prior Transfer Date	Nov 19, 2013
Prior Transfer Doc	0081801270
Record Updated	Oct 29, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SEMINOLE FL
Recording Date	Feb 23, 2026
Property Address	3095 HEARTLEAF PL, WINTER PARK, FL 32792-8159
Document Number	0109870741
Book / Page	10987 / 741
Map Reference	MB 46 PG 72-75
Instrument Date	Feb 18, 2026
Instrument	2026017544
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3095 HEARTLEAF PL, WINTER PARK, FL 32792-8159

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19870 SAMBAR DEER LOOP, LUTZ, FL 33559-6867

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SEMINOLE FL
Recording Date	Feb 26, 2021
Property Address	3095 HEARTLEAF PL, WINTER PARK, FL 32792-8159
Document Number	0098551905
Book / Page	9855 / 1905
Map Reference	MB 46 PG 72-75
Instrument Date	Feb 20, 2021
Instrument	2021025612
Transaction Type	Transfer
Record Updated	Dec 22, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3095 HEARTLEAF PL, WINTER PARK, FL 32792-8159

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	3095 HEARTLEAF PL, WINTER PARK, FL 32792-8159
Document Number	0096411210
Instrument Date	Jun 6, 2020
Transaction Type	Mortgage
Record Updated	Aug 17, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3095 HEARTLEAF PL WINTER PARK FL 327928159, WINTER PARK, FL 32792-8159

Mortgage

Document Number	0096411210
Date	Jul 6, 2020
Book Page	009641/001210
Instrument	70374

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 5, 2050

Tax Assessment & Valuation

Source: Seminole County assessment roll, as of December 29, 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	$2,692.00 (+10.46%) Homeowner's exemption Senior Citizen's exemption Veteran's exemption	$231,286 (+5.99%)	$388,298 (+16.13%) Land $100,000 Building $288,298
2023	$2,437.00 (-47.77%) Homeowner's exemption	$218,221 (-31.9%)	$334,379 (-1.68%) Land $70,000 Building $264,379
2022	$4,666.00	$320,450	$340,089 Land $90,000 Building $250,089

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 39 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	39 in force
Nearby Flood Claims	10 (1997–2024)
Claims Outside the SFHA	8 of 10
Most Recent Claim	Sep 2024 · other causes
Claims by Event	Hurricane Ian, Sep 2022 · 3 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	Moderate above 47% of the US · lower than 82% of Florida
Wildfire Likelihood	0.09% 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 SOUTHEAST serves 70,040 people · EPA ID FL3590571
Water Source	Groundwater
Last State Inspection	Apr 2024
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 79 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000

May also be available: CenturyLink.

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