3127 Heartleaf Pl, Winter Park, FL 32792 Property Records

Seminole County property record for 3127 Heartleaf Pl, Winter Park, FL 32792

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,131 sqft · built 1995
Lot Size	0.207 acres (9,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$385,000 (Jul 2021)
Tax Bill	$3,231 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Jul 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23-21-30-5LT-0000-0910`

Property Details

APN / Parcel Number

Primary APN	`23-21-30-5LT-0000-0910`
Alternative APN	`2130235LT00000910`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	2,131 sqft Living Area
Gross Area	2,606 sqft
1st Floor Area	1,913 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,000 sqft (0.207 acres)
Garage Type	Attached
Garage Area	475 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	218 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Solar

Location & Zoning

Street Address	3127 HEARTLEAF PL
City	WINTER PARK
State	FL
Zip	32792-8160
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	LOT 91 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	91
Jurisdiction	SEMINOLE FL
Township / Civil Division	CASSELBERRY-ALTAMONTE SPRINGS
Census Block Group	3
Census Block	3004
Census Tract	22206

Owner

Source: Seminole County records, as of September 2, 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	3127 HEARTLEAF PL, WINTER PARK, FL 32792-8160
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jul 7, 2021	Warranty Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Dec 22, 2017	Deed of Trust, Mortgage · Conventional Mortgage FAIRWINDS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2021 · Amount on Record
Deed Sale	Jul 7, 2021 · Amount on Record
Prior Sale	Nov 1, 2000 · Amount on Record
Deed Document Number	202189692
Deed Book / Page	9980 / 455
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Recording Date	Aug 20, 2026
Property Address	3127 HEARTLEAF PL, WINTER PARK, FL 32792-8160
Document Number	0000083312
Book / Page	11097 / 1936
Instrument Date	Aug 13, 2026
Instrument	202683312
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3127 HEARTLEAF PL, WINTER PARK, FL 32792-8160

Mortgage

Document Number	0000083312,
Date	Aug 20, 2026
Book Page	11097/1936
Instrument	202683312

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 1, 2046

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Jul 7, 2021
Property Address	3127 HEARTLEAF PL, WINTER PARK, FL 32792-8160
Document Number	0099800455
Book / Page	9980 / 455
Map Reference	MB 46 PG 72-75
Instrument Date	Jun 30, 2021
Instrument	2021089692
Transaction Type	Transfer
Record Updated	Jul 21, 2021
Title Company	VENTURE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,695.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2611 NE 53RD CT, 2611, LIGHTHOUSE POINT, FL 33064-7054

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3127 HEARTLEAF PL, ALOMA, FL 32792-8160

Mortgage

Document Number	9980457
Date	Jul 7, 2021
Instrument	9980/457

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	3127 HEARTLEAF PL, WINTER PARK, FL 32792-8160
Document Number	0090500587
Book / Page	009050 / 000587
Instrument Date	Dec 22, 2017
Transaction Type	Mortgage
Record Updated	Jan 23, 2018
Title Company	MORTGAGE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3127 HEARTLEAF PL WINTER PARK FL 327928160, WINTER PARK, FL 32792-8160

Mortgage

Document Number	0090500587
Date	Jan 2, 2018
Book Page	009050/000587
Instrument	121

Lender

Name	FAIRWINDS CU
Address	ORLANDO, FL 32826

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2048

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	$3,231.00 (+10.16%) Homeowner's exemption	$246,017 (+5.99%)	$399,900 (+15.98%) Land $100,000 Building $299,900
2023	$2,933.00 (+2.66%) Homeowner's exemption	$232,120 (+3%)	$344,787 (-1.43%) Land $70,000 Building $274,787
2022	$2,857.00 Homeowner's exemption	$225,359	$349,775 Land $90,000 Building $259,775

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 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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