409 E Citrus St, Altamonte Springs, FL 32701 Property Records

Seminole County property record for 409 E Citrus St, Altamonte Springs, FL 32701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,656 sqft · built 1978
Lot Size	0.304 acres (13,239 sqft)
Owner	Individual Name on File
Last Sale	$43,800 (Mar 2021)
Tax Bill	$1,290 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Apr 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-21-29-5BD-6500-0240`

Property Details

APN / Parcel Number

Primary APN	`12-21-29-5BD-6500-0240`
Alternative APN	`2129125BD65000240`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,656 sqft Living Area
Gross Area	2,202 sqft
1st Floor Area	1,467 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1990
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,239 sqft (0.304 acres)
Lot Dimensions	141 ft deep x 95 ft wide
Garage Type	Attached
Garage Area	546 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	435 sqft
Patio Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	409 E CITRUS ST
City	ALTAMONTE SPRINGS
State	FL
Zip	32701-7830
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1AA
Legal Description	E 34.64 FT OF LOT 24 & LOT 25 (LESS E 2.23 FT) BLK 65 SANLANDO PB 3 PG 65 1/2
Legal Range	29E
Legal Township	21S
Legal Section	12
Legal Subdivision	SANLANDO
Legal Tract	5BD
Legal Block	65
Legal Lot Number	24,25
Jurisdiction	SEMINOLE FL
Township / Civil Division	CASSELBERRY-ALTAMONTE SPRINGS
Census Block Group	2
Census Block	2020
Census Tract	21901

Owner

409 E Citrus St is owned and occupied by an individual who bought it in March 2021.

Source: Seminole County records, as of June 23, 2026

Owner of Record	Individual Name on File
Mailing Address	409 E CITRUS ST, ALTAMONTE SPRINGS, FL 32701-7830
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2026	Deed of Trust, Mortgage · Conventional Mortgage FAIRWINDS CREDIT UNION
Apr 16, 2024	Deed of Trust, Mortgage · Conventional Mortgage FAIRWINDS CU
Mar 15, 2021	Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 15, 2021 · Amount on File
Deed Sale	Mar 15, 2021 · Amount on File
Prior Sale	Feb 1, 1986 · Amount on File
Deed Document Number	202133356
Deed Book / Page	9871 / 1568
Prior Transfer Date	Mar 7, 2021
Prior Transfer Doc	0098711568
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Recording Date	Jun 11, 2026
Property Address	409 E CITRUS ST, ALTAMONTE SPRINGS, FL 32701-7830
Document Number	0000057862
Book / Page	11054 / 1486
Instrument Date	Jun 4, 2026
Instrument	202657862
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 E CITRUS ST, ALTAMONTE SPRINGS, FL 32701-7830

Mortgage

Document Number	0000057862,
Date	Jun 11, 2026
Book Page	11054/1486
Instrument	202657862

Lender

Name	FAIRWINDS CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 9, 2041

Interest

Rate Type	Fixed Rate
Rate	5.72%
Initial Type	Fixed Rate
Max Rate	-1%

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	409 E CITRUS ST, ALTAMONTE SPRINGS, FL 32701-7830
Transaction Type	Mortgage
Record Updated	Dec 8, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 E CITRUS ST, ALTAMONTE SPRINGS, FL 32701-7830

Mortgage

Document Number	0106130797
Date	Apr 16, 2024
Book Page	10613/797
Instrument	2024033715

Lender

Name	FAIRWINDS CU
Type	Credit Union
Address	ORLANDO, FL 32826

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 15, 2039

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SEMINOLE FL
Recording Date	Mar 15, 2021
Property Address	409 E CITRUS ST, ALTAMONTE SPRINGS, FL 32701-7830
Document Number	0098711568
Book / Page	9871 / 1568
Map Reference	MB 3 PG 65 1/2
Instrument Date	Mar 7, 2021
Instrument	2021033356
Transaction Type	Transfer
Record Updated	Dec 8, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$306.60
Amount Accuracy	Rounded by County
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name
Address	409 E CITRUS ST, ALTAMONTE SPRINGS, FL 32701-7830

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 E CITRUS ST, ALTAMONTE SPRINGS, FL 32701-7830

Tax Assessment & Valuation

The 2025 property tax bill for 409 E Citrus St was $1,290 with exemptions applied.

Source: Seminole County assessment roll, as of December 29, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Seminole County
Unified School District	Seminole County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,290.00 Homeowner's exemption Senior Citizen's exemption Widower's exemption	$137,525	$313,488 Land $90,000 Building $223,488
2023	$1,500.00 (+3.09%) Homeowner's exemption	$129,756 (+3%)	$302,200 (+3.5%) Land $90,000 Building $212,200
2022	$1,455.00 Homeowner's exemption	$125,977	$291,970 Land $85,000 Building $206,970

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 409 E Citrus St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2004.

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (2004–2011)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Nov 2011 · other causes

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

Wildfire risk around 409 E Citrus St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% 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	APPLE VALLEY (CONSEC) serves 3,269 people · EPA ID FL3590039
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 459 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
WOW Internet, Cable & Phone Fiber	5,000 / 5,000
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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