3102 Heartleaf Pl, Winter Park, FL 32792 Property Records

Seminole County property record for 3102 Heartleaf Pl, Winter Park, FL 32792

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 2,672 sqft · built 1995
Lot Size	1.41 acres (61,573 sqft)
Owner	2 Individual Names on Record
Last Sale	$605,000 (Mar 2026)
Tax Bill	$4,161 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Mar 2026 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`23-21-30-5LT-0000-0760`

Property Details

APN / Parcel Number

Primary APN	`23-21-30-5LT-0000-0760`
Alternative APN	`2130235LT00000760`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Stories	2 Stories
Building Area	2,672 sqft Living Area
Gross Area	3,156 sqft
1st Floor Area	2,046 sqft
Upper Floors Area	626 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	61,573 sqft (1.41 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	188 sqft
Patio Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3102 HEARTLEAF PL
City	WINTER PARK
State	FL
Zip	32792-8157
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	ALL LOT 76 & PT OF LOT 77 DESC AS BEG ELY MOST COR LOT 77 RUN N 42 DEG 46 MIN 55 SEC W 62 FT N 523.96 FT S 65 DEG 37 MIN 48 SEC W 32.88 FT S 525.70 FT S 48 DEG 16 MIN 03 SEC E 67.16 FT TO NLY R/W HEARTLEAF PLACE ELY ON R/W 26.35 FT TO BEG LOST CREEK
Legal Range	30E
Legal Township	21S
Legal Section	23
Legal Subdivision	LOST CREEK
Legal Tract	5LT
Legal Lot Number	76,77
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 April 1, 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	3102 HEARTLEAF PL, WINTER PARK, FL 32792-8157
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Mar 23, 2026	Warranty Deed, Transfer · VA Mortgage ROCKET MORTGAGE LLC
Apr 26, 2017	Deed of Trust, Mortgage · Line of Credit FAIRWINDS CU
Nov 28, 2017	Warranty Deed, Transfer · VA Mortgage BANK OF ENGLAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 23, 2026 · Amount on Record
Deed Sale	Mar 23, 2026 · Amount on Record
Prior Sale	Nov 28, 2017 · Amount on Record
Deed Document Number	202628324
Deed Book / Page	11004 / 1325
Prior Transfer Date	Jan 7, 1994
Prior Transfer Doc	2711000437
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	3102 HEARTLEAF PL, WINTER PARK, FL 32792-8157
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0098160664
Date	Jan 14, 2021
Book Page	9816/664
Instrument	2021006023

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	324 Months
Due	Jan 1, 2048

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Mar 23, 2026
Property Address	3102 HEARTLEAF PL, WINTER PARK, FL 32792-8157
Document Number	0110041325
Book / Page	11004 / 1325
Map Reference	MB 46 PG 72-75
Instrument Date	Mar 17, 2026
Instrument	2026028324
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	AGENCY TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$4,235.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4024 WINDELL PL, VALRICO, FL 33596-6383

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3102 HEARTLEAF PL, WINTER PARK, FL 32792-8157

Mortgage

Document Number	0110041327
Date	Mar 23, 2026
Instrument	11004/1327

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	3102 HEARTLEAF PL, WINTER PARK, FL 32792-8157
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0089001922
Date	Apr 26, 2017
Book Page	08900/1922
Instrument	2017040831

Lender

Name	FAIRWINDS CU
Type	Credit Union
Address	ORLANDO, FL 32801

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Nov 28, 2017
Property Address	3102 HEARTLEAF PL, WINTER PARK, FL 32792-8157
Document Number	0090300279
Book / Page	009030 / 000279
Instrument Date	Nov 20, 2017
Instrument	119402
Transaction Type	Transfer
Record Updated	Aug 28, 2018
Title Company	PROMINENCE TITLE AND ESCROW LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,625.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3102 HEARTLEAF PL WINTER PARK FL 327928157, WINTER PARK, FL 32792-8157

Mortgage

Document Number	90300281
Date	Nov 28, 2017
Book Page	009030/000281
Instrument	119403

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 27, 2047

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	$4,161.00 (+10.05%) Homeowner's exemption Veteran's exemption	$319,865 (+5.99%)	$515,663 (+15.01%) Land $113,050 Building $402,613
2023	$3,781.00 (+2.61%) Homeowner's exemption	$301,796 (+3%)	$448,367 (-0.58%) Land $79,135 Building $369,232
2022	$3,685.00 Homeowner's exemption	$293,006	$450,999 Land $101,745 Building $349,254

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	56.0 ft
Flood Insurance Requirement	Required federally backed loans
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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