3420 Arnel Dr, Winter Park, FL 32792 Property Records

Seminole County property record for 3420 Arnel Dr, Winter Park, FL 32792

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,245 sqft · built 1967
Lot Size	0.189 acres (8,250 sqft)
Owner	2 Individual Names on Record
Last Sale	$430,000 (Jun 2025)
Tax Bill	$5,291 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Sep 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`34-21-30-510-0B00-0050`

Property Details

APN / Parcel Number

Primary APN	`34-21-30-510-0B00-0050`
Alternative APN	`2130345100B000050`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	2,245 sqft Living Area
1st Floor Area	1,998 sqft
Basement Area	550 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1989
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	8,250 sqft (0.189 acres)
Porch	Florida Room
Porch Area	297 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3420 ARNEL DR
City	WINTER PARK
State	FL
Zip	32792-2004
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	LOT 5 BLK B EASTBROOK SUBD UNIT 11 PB 14 PG 76
Legal Range	30E
Legal Township	21S
Legal Section	34
Legal Subdivision	EASTBROOK SUBD UNIT NO 11
Legal Tract	510
Legal Block	B
Legal Lot Number	5
Jurisdiction	SEMINOLE FL
Township / Civil Division	CASSELBERRY-ALTAMONTE SPRINGS
Census Block Group	1
Census Block	1006
Census Tract	22208

Owner

Source: Seminole County records, as of April 9, 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	3420 ARNEL DR, WINTER PARK, FL 32792-2004
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2026	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Sep 18, 2019	Warranty Deed, Transfer · Conventional with PMI BANK OF AMERICA
Mar 15, 2018	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2025 · Amount on Record
Deed Sale	Jun 9, 2025 · Amount on Record
Prior Sale	Sep 18, 2019 · Amount on Record
Deed Document Number	202556013
Deed Book / Page	10839 / 1565
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	3420 ARNEL DR, WINTER PARK, FL 32792-2004
Transaction Type	Mortgage
Record Updated	Apr 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3420 ARNEL DR, WINTER PARK, FL 32792-2004

Mortgage

Document Number	0110060835
Date	Mar 25, 2026
Book Page	11006/835
Instrument	2026029308

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

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

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Sep 18, 2019
Property Address	3420 ARNEL DR, WINTER PARK, FL 32792-2004
Document Number	0094371467
Book / Page	009437 / 001467
Instrument Date	Sep 13, 2019
Instrument	100876
Transaction Type	Transfer
Record Updated	Oct 4, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,029.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3420 ARNEL DR WINTER PARK FL 327922004, WINTER PARK, FL 32792-2004

Mortgage

Document Number	94371469
Date	Sep 18, 2019
Book Page	009437/001469
Instrument	100877

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 17, 2049

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Mar 15, 2018
Property Address	3420 ARNEL DR, WINTER PARK, FL 32792-2004
Document Number	0090911553
Book / Page	09091 / 1553
Map Reference	MB14 PG76
Instrument Date	Feb 16, 2018
Instrument	2018028535
Transaction Type	Transfer
Record Updated	Dec 22, 2021
Title Company	LA ROSA TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,750.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10029 RIVERS TRAIL DR, 10029, ORLANDO, FL 32817-2882

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Et Al (and Others)
Address	3420 ARNEL DR, WINTER PARK, FL 32792-2004

Mortgage

Document Number	2018028536
Date	Mar 15, 2018
Instrument	2018028536

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 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	$5,291.00 (+15.2%)	$364,506 (+8.27%) Land $85,000 Building $279,506	$364,506 (+8.27%) Land $85,000 Building $279,506
2023	$4,593.00 (+8.74%)	$336,665 (+10.27%)	$336,665 (+3.89%) Land $85,000 Building $251,665
2022	$4,224.00	$305,308	$324,065 Land $75,000 Building $249,065

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	4 (2015–2024)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Oct 2024 · Hurricane Milton

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 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 0.01% 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	CASSELBERRY, CITY OF (3 WPS) serves 54,747 people · EPA ID FL3590159
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 483 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Metronet.

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