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

Seminole County property record for 402 Pine Tree Rd, Lake Mary, FL 32746

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,379 sqft · built 1989
Lot Size	0.359 acres (15,646 sqft)
Owner	Owner Name on Record
Last Sale	$348,000 (Sep 2004)
Tax Bill	$3,568 (2025)
Deeds & Mortgages	Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-20-30-502-0000-0850`

Property Details

APN / Parcel Number

Primary APN	`15-20-30-502-0000-0850`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	2,379 sqft Living Area
1st Floor Area	2,379 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	15,646 sqft
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Porch
Porch Area	395 sqft
Patio Area	290 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	402 PINE TREE RD
City	LAKE MARY
State	FL
Zip	32746-3682
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 85 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	85
Jurisdiction	SEMINOLE FL
Township / Civil Division	SANFORD
Census Block Group	3
Census Block	3037
Census Tract	20803

Owner

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	Owner Name on Record
Mailing Address	402 PINE TREE RD, LAKE MARY, FL 32746-3682
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 10, 2004 · Amount on Record
Deed Sale	Sep 10, 2004 · Amount on Record
Prior Sale	Jun 12, 1998 · Amount on Record
Deed Document Number	2004141287
Deed Book / Page	05448 / 0159
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	402 PINE TREE RD, LAKE MARY, FL 32746-3682
Document Number	0096381696
Instrument Date	Jun 23, 2020
Transaction Type	Mortgage
Record Updated	Aug 13, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 PINE TREE RD LAKE MARY FL 327463682, LAKE MARY, FL 32746-3682

Mortgage

Document Number	0096381696
Date	Jul 1, 2020
Book Page	009638/001696
Instrument	68992

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 30, 2035

Tax Assessment & Valuation

Source: Seminole County assessment roll, as of July 1, 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	$3,568.00 (+13.2%) Homeowner's exemption	$281,120 (+5.99%)	$540,194 (+12.81%) Land $135,000 Building $405,194
2023	$3,152.00 (+2.77%) Homeowner's exemption	$265,240 (+3%)	$478,852 (-0.16%) Land $135,000 Building $343,852
2022	$3,067.00 Homeowner's exemption	$257,515	$479,621 Land $125,000 Building $354,621

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 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.

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 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