Seminole County property record for 394 Pine Tree Rd, Lake Mary, FL 32746
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,440 sqft · built 1987 |
| Lot Size | 0.435 acres (18,955 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $585,000 (Sep 2021) |
| Tax Bill | $7,131 (2025) |
| Deeds & Mortgages | Sep 2021 Sale & Mortgage Mar 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-20-30-502-0000-0720 |
| Primary APN | 15-20-30-502-0000-0720 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,440 sqft Living Area |
| 1st Floor Area | 2,440 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Siding |
| Construction Type | Wood Frame |
| Foundation Type | Footing |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 18,955 sqft |
| Garage Area | 601 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 1 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 596 sqft |
| Patio Area | 600 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 394 PINE TREE RD |
|---|---|
| City | LAKE MARY |
| State | FL |
| Zip | 32746-3679 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 72 CARDINAL OAKS COVE PB 35 PGS 17 & 18 |
| Legal Range | 30E |
| Legal Township | 20S |
| Legal Section | 15 |
| Legal Subdivision | CARDINAL OAKS COVE |
| Legal Tract | 502 |
| Legal Lot Number | 72 |
| Jurisdiction | SEMINOLE FL |
| Township / Civil Division | SANFORD |
| Census Block Group | 3 |
| Census Block | 3028 |
| 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 | 394 PINE TREE RD, LAKE MARY, FL 32746-3679 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 1, 2021 | Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC |
| Mar 16, 2021 | Deed of Trust, Mortgage DISCOVER BANK |
| Feb 11, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Apr 14, 2018 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 1, 2021 · Amount on Record |
| Deed Sale | Sep 1, 2021 · Amount on Record |
| Deed Document Number | 2021116546 |
| Deed Book / Page | 10032 / 447 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Sep 1, 2021 |
| Property Address | 394 PINE TREE RD, LAKE MARY, FL 32746-3679 |
| Document Number | 0100320447 |
| Book / Page | 10032 / 447 |
| Map Reference | MB 35 PG 17&18 |
| Instrument Date | Aug 30, 2021 |
| Instrument | 2021116546 |
| Transaction Type | Transfer |
| Record Updated | Sep 13, 2021 |
| Title Company | FIRST AMERICAN MORTGAGE SLN |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,095.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1862 S RIVERSIDE DR, 1862, NEW SMYRNA BEACH, FL 32168-7773 |
| Name | Verified Name |
|---|---|
| Address | 394 PINE TREE RD, LAKE MARY, FL 32746-3679 |
| Document Number | 10032449 |
|---|---|
| Date | Sep 1, 2021 |
| Instrument | 10032/449 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 394 PINE TREE RD, LAKE MARY, FL 32746-3679 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2021 |
| Name | Verified Name |
|---|---|
| Address | 394 PINE TREE RD, LAKE MARY, FL 32746-3679 |
| Document Number | 0098720476 |
|---|---|
| Date | Mar 16, 2021 |
| Book Page | 9872/476 |
| Instrument | 2021033646 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | NEW CASTLE, DE 19720 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Mar 15, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 394 PINE TREE RD, LAKE MARY, FL 32746-3679 |
| Transaction Type | Mortgage |
| Record Updated | Feb 24, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0098421280 |
|---|---|
| Date | Feb 11, 2021 |
| Book Page | 9842/1280 |
| Instrument | 2021018797 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 178 Months |
| Due | Dec 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 394 PINE TREE RD, LAKE MARY, FL 32746-3679 |
| Document Number | 0091181879 |
| Instrument Date | Apr 14, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 1, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 394 PINE TREE RD LAKE MARY FL 327463679, LAKE MARY, FL 32746-3679 |
| Document Number | 0091181879 |
|---|---|
| Date | Apr 30, 2018 |
| Book Page | 009118/001879 |
| Instrument | 46438 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETORIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 29, 2038 |
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 | $7,131.00 (+13.14%) Homeowner's exemption | $519,269 (+5.99%) | $579,109 (+13.99%) Land $135,000 Building $444,109 |
| 2023 | $6,303.00 (+2.54%) Homeowner's exemption | $489,937 (+3%) | $508,055 (-0.39%) Land $135,000 Building $373,055 |
| 2022 | $6,147.00 Homeowner's exemption | $475,667 | $510,056 Land $125,000 Building $385,056 |
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 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | None beyond ember reach |
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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