Seminole County property record for 345 Pine Tree Rd, Lake Mary, FL 32746
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,616 sqft · built 1997 |
| Lot Size | 2.06 acres (90,169 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $850,000 (Jul 2021) |
| Tax Bill | $11,507 (2025) |
| Deeds & Mortgages | Jul 2021 Sale & Mortgage May 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-20-30-5UE-0000-0320 |
| Primary APN | 15-20-30-5UE-0000-0320 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 3,616 sqft Living Area |
| 1st Floor Area | 2,775 sqft |
| 2nd Floor Area | 841 sqft |
| Upper Floors Area | 841 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 90,169 sqft (2.06 acres) |
| Garage Area | 500 sqft |
| Parking Spaces | 4 Parking Spaces |
| Pool Area | 1 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 379 sqft |
| Patio Area | 847 sqft |
| Water Feature | Water Feature |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 345 PINE TREE RD |
|---|---|
| City | LAKE MARY |
| State | FL |
| Zip | 32746-3655 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SEC 15 TWP 20S RGE 30E LOTS 32 & 33 & PT RD DESC AS BEG 82.50 FT E & 310.25 FT S OF NE COR OF SE 1/4 OF SW 1/4 OF NW 1/4 RUN |
| Legal Range | 30E |
| Legal Township | 20S |
| Legal Section | 15 |
| Legal Subdivision | EVANSDALE NO 4 |
| Legal Lot Number | 32-33 33 |
| Jurisdiction | SEMINOLE FL |
| Township / Civil Division | SANFORD |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 20803 |
Source: Seminole County records, as of December 5, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 345 PINE TREE RD, LAKE MARY, FL 32746-3655 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 16, 2021 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| May 9, 2017 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 16, 2021 · Amount on Record |
| Deed Sale | Jul 16, 2021 · Amount on Record |
| Prior Sale | Sep 22, 2010 · Amount on Record |
| Deed Document Number | 2021094708 |
| Deed Book / Page | 9990 / 451 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Jul 16, 2021 |
| Property Address | 345 PINE TREE RD, LAKE MARY, FL 32746-3655 |
| Document Number | 0099900451 |
| Book / Page | 9990 / 451 |
| Instrument Date | Jul 2, 2021 |
| Instrument | 2021094708 |
| Transaction Type | Transfer |
| Record Updated | Jul 30, 2021 |
| Title Company | SUNBELT TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,950.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1625 LAZY RIVER LN, 1625, SANDY SPRINGS, GA 30350-3523 |
| Name | Verified Name |
|---|---|
| Address | 345 PINE TREE RD, LAKE MARY, FL 32746-3655 |
| Document Number | 9990453 |
|---|---|
| Date | Jul 16, 2021 |
| Instrument | 9990/453 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 345 PINE TREE RD, LAKE MARY, FL 32746-3655 |
| Document Number | 0089151617 |
| Instrument Date | May 9, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 345 PINE TREE RD LAKE MARY FL 327463655, LAKE MARY, FL 32746-3655 |
| Document Number | 0089151617 |
|---|---|
| Date | May 17, 2017 |
| Book Page | 008915/001617 |
| Instrument | 49179 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 16, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
Source: Seminole County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Seminole County |
| Municipality | Lake Mary City |
| Unified School District | Seminole County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $11,507.00 (+12.33%) Homeowner's exemption | $817,179 (+5.99%) | $1,072,699 (+31.02%) Land $330,000 Building $742,699 |
| 2023 | $10,244.00 (+2.43%) Homeowner's exemption | $771,018 (+3%) | $818,750 (+2.8%) Land $270,000 Building $548,750 |
| 2022 | $10,001.00 Homeowner's exemption | $748,561 | $796,456 Land $227,700 Building $568,756 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 52 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 208 units insured incl. 156 condo units |
| Nearby Flood Claims | 12 (1995–2025) |
| Claims Outside the SFHA | 1 of 12 |
| Most Recent Claim | Oct 2025 |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 89% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF LAKE MARY serves 17,066 people · EPA ID FL3590201 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 92 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 50 |
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