348 Pine Tree Rd, Lake Mary, FL 32746 Property Records

Seminole County property record for 348 Pine Tree Rd, Lake Mary, FL 32746

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,712 sqft · built 1964
Lot Size	0.661 acres (28,780 sqft)
Owner	2 Individual Names on Record
Last Sale	$187,000 (Aug 2017)
Tax Bill	$3,304 (2025)
Deeds & Mortgages	Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-20-30-5UE-0000-0410`

Property Details

APN / Parcel Number

Primary APN	`15-20-30-5UE-0000-0410`
Alternative APN	`2030155UE00000410`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,712 sqft Living Area
Gross Area	2,380 sqft
1st Floor Area	1,712 sqft
Basement Area	24 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1985
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	28,780 sqft (0.661 acres)
Garage Type	Attached
Garage Area	668 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Pool Type
Pool Area	1 sqft
Porch	Open Porch
Porch Area	224 sqft
Patio Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	348 PINE TREE RD
City	LAKE MARY
State	FL
Zip	32746-3618
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1AAA
Legal Description	SEC 15 TWP 20S RGE 30E BEG 446.01 FT N + 169.44 FT W OF SE COR OF SW 1/4 OF NW 1/4 RUN S 64 DEG 05 1/2 MIN W 172.6 FT N 25 DEG 54 1/2 MIN W 150 FT N 64 DEG 05 1/2 MIN E 200 FT S 25 DEG 54 1/2 MIN E 148.7 FT SWLY ON CURVE TO BEG BEING TR 41 UNRECD PLA
Legal Range	30E
Legal Township	20S
Legal Section	15
Legal Subdivision	EVANSDALE NO 4
Legal Tract	41
Jurisdiction	SEMINOLE FL
Township / Civil Division	SANFORD
Census Block Group	3
Census Block	3020
Census Tract	20803

Owner

Source: Seminole County records, as of December 29, 2025

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	348 PINE TREE RD, LAKE MARY, FL 32746-3618
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 9, 2017 · Amount on Record
Deed Sale	Aug 9, 2017 · Amount on Record
Prior Sale	Sep 1, 2010 · Amount on Record
Deed Document Number	201780488
Prior Transfer Date	Aug 4, 2017
Prior Transfer Doc	2017080488
Record Updated	Jun 8, 2026

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Aug 9, 2017
Property Address	348 PINE TREE RD, LAKE MARY, FL 32746-3618
Document Number	0089681327
Book / Page	008968 / 001327
Instrument Date	Aug 4, 2017
Instrument	80488
Transaction Type	Transfer
Record Updated	Sep 5, 2017
Title Company	MERCURY TITLE COMPANY, MERCURY TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,309.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	348 PINE TREE RD LAKE MARY FL 327463618, LAKE MARY, FL 32746-3618

Mortgage

Document Number	89681328
Date	Aug 9, 2017
Book Page	008968/001328
Instrument	80489

Lender

Name	CENTURY LNDG
Address	LOUISVILLE, KY 40223

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 8, 2047

Tax Assessment & Valuation

Source: Seminole County assessment roll, as of December 29, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Seminole County
Municipality	Lake Mary City
Unified School District	Seminole County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,304.00 (+9.51%) Homeowner's exemption	$270,932 (+5.99%)	$479,004 (+26.59%) Land $165,000 Building $314,004
2023	$3,017.00 (+29.32%) Homeowner's exemption	$255,627 (+24.34%)	$378,382 (+32.54%) Land $135,000 Building $243,382
2022	$2,333.00 Homeowner's exemption	$205,584	$285,492 Land $88,000 Building $197,492

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 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	Hurricane Ian, Sep 2022 · 2 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	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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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