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

Seminole County property record for 403 Pine Tree Rd, Lake Mary, FL 32746

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,693 sqft · built 1988
Lot Size	0.345 acres (15,023 sqft)
Owner	2 Individual Names on Record
Last Sale	$100 (Dec 1999)
Tax Bill	$3,420 (2025)
Deeds & Mortgages	Aug 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`15-20-30-502-0000-1010`

Property Details

APN / Parcel Number

Primary APN	`15-20-30-502-0000-1010`
Alternative APN	`20301550200001010`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	2,693 sqft Living Area
Gross Area	3,222 sqft
1st Floor Area	2,429 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	15,023 sqft (0.345 acres)
Garage Type	Attached
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Florida Room
Porch Area	313 sqft
Patio Area	1,231 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	403 PINE TREE RD
City	LAKE MARY
State	FL
Zip	32746-3681
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1AA
Legal Description	LOT 101 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	101
Jurisdiction	SEMINOLE FL
Township / Civil Division	SANFORD
Census Block Group	3
Census Block	3022
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	403 PINE TREE RD, LAKE MARY, FL 32746-3681
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 1999 · Amount on Record
Deed Sale	Dec 1, 1999 · Amount on Record
Prior Sale	Nov 1, 1999 · Amount on Record
Deed Book / Page	3787 / 1495
Last Transfer Date	Jul 28, 2022
Transfer Doc	0102910227
Record Updated	Sep 20, 2026

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SEMINOLE FL
Recording Date	Aug 3, 2022
Property Address	403 PINE TREE RD, LAKE MARY, FL 32746-3681
Document Number	0102910227
Book / Page	10291 / 227
Map Reference	MB 35 PG 17&18
Instrument Date	Aug 3, 2022
Instrument	2022089633
Transaction Type	Transfer
Record Updated	Aug 17, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	403 PINE TREE RD, 403, LAKE MARY, FL 32746-3681

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	403 PINE TREE RD, LAKE MARY, FL 32746-3681

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	$3,420.00 (+9.48%) Homeowner's exemption	$279,015 (+5.99%)	$536,643 (+13.12%) Land $135,000 Building $401,643
2023	$3,124.00 (+2.8%) Homeowner's exemption	$263,254 (+3%)	$474,417 (-0.21%) Land $135,000 Building $339,417
2022	$3,039.00 Homeowner's exemption	$255,586	$475,393 Land $125,000 Building $350,393

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