Seminole County property record for 398 Pine Tree Rd, Lake Mary, FL 32746
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,061 sqft · built 1988 |
| Lot Size | 0.466 acres (20,298 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $644,000 (Oct 2025) |
| Tax Bill | $6,552 (2025) |
| Deeds & Mortgages | Oct 2025 Sale & Mortgage Aug 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-20-30-502-0000-0760 |
| Primary APN | 15-20-30-502-0000-0760 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 3,061 sqft Living Area |
| Gross Area | 3,589 sqft |
| 1st Floor Area | 3,061 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 20,298 sqft (0.466 acres) |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 1 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 616 sqft |
| Patio Area | 832 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Solar |
| Street Address | 398 PINE TREE RD |
|---|---|
| City | LAKE MARY |
| State | FL |
| Zip | 32746-3680 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1AA |
| Legal Description | LOT 76 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 | 76 |
| Jurisdiction | SEMINOLE FL |
| Township / Civil Division | SANFORD |
| Census Block Group | 3 |
| Census Block | 3029 |
| Census Tract | 20803 |
Source: Seminole County records, as of December 29, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 398 PINE TREE RD, LAKE MARY, FL 32746-3680 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Oct 21, 2025 | Warranty Deed, Transfer · Conventional Mortgage LUMINATE BANK |
| Aug 10, 2023 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Feb 10, 2022 | Intrafamily Transfer, Transfer ACCOMMODATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 21, 2025 · Amount on Record |
| Deed Sale | Oct 21, 2025 · Amount on Record |
| Prior Sale | Aug 10, 2023 · Amount on Record |
| Deed Document Number | 2025104226 |
| Deed Book / Page | 10919 / 392 |
| Prior Transfer Date | Feb 7, 2022 |
| Prior Transfer Doc | 0101661801 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Oct 21, 2025 |
| Property Address | 398 PINE TREE RD, LAKE MARY, FL 32746-3680 |
| Document Number | 0109190392 |
| Book / Page | 10919 / 392 |
| Map Reference | MB 35 PG 17&18 |
| Instrument Date | Oct 16, 2025 |
| Instrument | 2025104226 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2025 |
| Title Company | CENTURION TITLE GROUP INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,508.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1096 N THORPE AVE, ORANGE CITY, FL 32763-3919 |
| Name | Verified Name |
|---|---|
| Address | 398 PINE TREE RD, LAKE MARY, FL 32746-3680 |
| Document Number | 0010919393 |
|---|---|
| Date | Oct 21, 2025 |
| Instrument | 10919/393 |
| Name | LUMINATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Aug 10, 2023 |
| Property Address | 398 PINE TREE RD, LAKE MARY, FL 32746-3680 |
| Document Number | 0104880606 |
| Book / Page | 10488 / 606 |
| Map Reference | MB 35 PG 17&18 |
| Instrument Date | Aug 7, 2023 |
| Instrument | 2023073744 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,110.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 321 N BIRCH RD # RD801, RD801, FORT LAUDERDALE, FL 33304-4268 |
| Name | Verified Name |
|---|---|
| Address | 398 PINE TREE RD, LAKE MARY, FL 32746-3680 |
| Document Number | 0010488608 |
|---|---|
| Date | Aug 10, 2023 |
| Instrument | 10488/608 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Feb 10, 2022 |
| Property Address | 398 PINE TREE RD, LAKE MARY, FL 32746-3680 |
| Document Number | 0101661801 |
| Book / Page | 10166 / 1801 |
| Map Reference | MB 35 PG 17&18 |
| Instrument Date | Feb 7, 2022 |
| Instrument | 2022017350 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 398 PINE TREE RD, LAKE MARY, FL 32746-3680 |
Source: Seminole County assessment roll, as of December 29, 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 | $6,552.00 (-23.97%) | $496,606 (-19.77%) | $628,497 (+1.54%) Land $135,000 Building $493,497 |
| 2024 | $8,618.00 (+144.14%) | $618,981 (+108.25%) | $618,981 (+12.28%) Land $135,000 Building $483,981 |
| 2023 | $3,530.00 (+0.91%) Homeowner's exemption | $297,229 (+3%) | $551,277 (-0.62%) Land $135,000 Building $416,277 |
| 2022 | $3,498.00 Homeowner's exemption | $288,572 | $554,743 Land $125,000 Building $429,743 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% 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 64 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 / 35 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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