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

Seminole County property record for 407 Pine Tree Rd, Lake Mary, FL 32746

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,380 sqft · built 1992
Lot Size0.377 acres (16,459 sqft)
OwnerIndividual Name on Record
Last Sale$395,000 (Dec 2020)
Tax Bill$5,485 (2025)
Deeds & MortgagesDec 2020 Sale & Mortgage
Jul 2019 Loan Modification
+ 1 more
Flood ZoneZone X (minimal risk)
APN15-20-30-502-0000-0990

Property Details

APN / Parcel Number

Primary APN15-20-30-502-0000-0990

Interior

Bedrooms4 Beds
Full Baths3 Baths
Plumbing Fixtures9 Plumbing Fixtures
Stories1 Story
Building Area2,380 sqft Living Area
1st Floor Area2,380 sqft
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1992
Exterior MaterialStucco
Construction TypeConcrete Block
Foundation TypeFooting
Roof TypeCathedral/Clerestory
Roof MaterialComposition Shingle
Lot Area16,459 sqft
Garage Area506 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Screened Porch
Porch Area530 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Street Address407 PINE TREE RD
CityLAKE MARY
StateFL
Zip32746-3681
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 99 CARDINAL OAKS COVE PB 35 PGS 17 & 18
Legal Range30E
Legal Township20S
Legal Section15
Legal SubdivisionCARDINAL OAKS COVE
Legal Tract502
Legal Lot Number99
JurisdictionSEMINOLE FL
Township / Civil DivisionSANFORD
Census Block Group3
Census Block3022
Census Tract20803

Owner

Source: Seminole County records, as of December 5, 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 RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address407 PINE TREE RD, LAKE MARY, FL 32746-3681
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 18, 2020Warranty Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Jul 10, 2019Loan Modification, Mortgage · Conventional Mortgage
IBERIABANK
Sep 1, 2017Deed of Trust, Mortgage · Line of Credit
IBERIABANK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 18, 2020 · Amount on Record
Deed SaleDec 18, 2020 · Amount on Record
Prior SaleJan 11, 2005 · Amount on Record
Deed Document Number2020146943
Deed Book / Page9792 / 1828
Record UpdatedJun 8, 2026

December 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSEMINOLE FL
Recording DateDec 18, 2020
Property Address407 PINE TREE RD, LAKE MARY, FL 32746-3681
Document Number0097921828
Book / Page9792 / 1828
Map ReferenceMB 35 PG 17&18
Instrument DateDec 11, 2020
Instrument2020146943
Transaction TypeTransfer
Record UpdatedDec 22, 2021
Title CompanyESQUIRE TITLE SERVICES INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,765.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address119 ORMOND PKWY, 119, ORMOND BEACH, FL 32176-8120

Transferred To (Grantee/Buyer)

NameVerified Name
Address407 PINE TREE RD, LAKE MARY, FL 32746-3681

Mortgage

Document Number0097921829
DateDec 18, 2020
Instrument9792/1829
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 1, 2051

July 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionSEMINOLE FL
Property Address407 PINE TREE RD, LAKE MARY, FL 32746-3681
Document Number0094551139
Instrument DateJul 10, 2019
Transaction TypeMortgage
Record UpdatedOct 28, 2019
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address407 PINE TREE RD LAKE MARY FL 327463681, LAKE MARY, FL 32746-3681

Mortgage

Document Number0094551139
DateOct 11, 2019
Book Page009455/001139
Instrument110878
Lender
NameIBERIABANK
TypeBank
AddressORLANDO, FL 32803
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueOct 10, 2049

September 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSEMINOLE FL
Property Address407 PINE TREE RD, LAKE MARY, FL 32746-3681
Document Number0089891162
Instrument DateSep 1, 2017
Transaction TypeMortgage
Record UpdatedOct 28, 2019
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address407 PINE TREE RD LAKE MARY FL 327463681, LAKE MARY, FL 32746-3681

Mortgage

Document Number0089891162
DateSep 15, 2017
Book Page008989/001162
Instrument93041
Lender
NameIBERIABANK
TypeBank
AddressMAITLAND, FL 32803
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueSep 14, 2047
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Seminole County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountySeminole County
MunicipalityLake Mary City
Unified School DistrictSeminole County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,485.00 (+12.74%) Homeowner's exemption$410,578 (+5.99%)$531,042 (+13.94%) Land $135,000 Building $396,042
2023$4,865.00 (+2.62%) Homeowner's exemption$387,385 (+3%)$466,090 (-0.3%) Land $135,000 Building $331,090
2022$4,741.00 Homeowner's exemption$376,102$467,484 Land $125,000 Building $342,484

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 52 individual policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies208 units insured
incl. 156 condo units
Nearby Flood Claims12 (1995–2025)
Claims Outside the SFHA1 of 12
Most Recent ClaimOct 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 RiskLow
lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood0.03% annual chance
ExposureNone
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 SystemCITY OF LAKE MARY
serves 17,066 people · EPA ID FL3590201
Water SourceGroundwater
Last State InspectionMar 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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