4170 Bear Gully Rd, Winter Park, FL 32792 Property Records

Seminole County property record for 4170 Bear Gully Rd, Winter Park, FL 32792

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 2,936 sqft · built 2005
Lot Size	0.523 acres (22,785 sqft)
Owner	Individual Name on File
Last Sale	$158,000 (Apr 2021)
Tax Bill	$5,825 (2025)
Deeds & Mortgages	Sep 2019 Mortgage Sep 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`36-21-30-512-0000-0030`

Property Details

APN / Parcel Number

Primary APN	`36-21-30-512-0000-0030`
Alternative APN	`21303651200000030`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Stories	1 Story
Building Area	2,936 sqft Living Area
Gross Area	3,426 sqft
1st Floor Area	2,588 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	22,785 sqft (0.523 acres)
Garage Type	Attached
Garage Area	490 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	794 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4170 BEAR GULLY RD
City	WINTER PARK
State	FL
Zip	32792-9308
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1AA
Legal Description	LOT 3 BEAR GULLY FOREST PB 61 PGS 1 - 5
Legal Range	30E
Legal Township	21S
Legal Section	36
Legal Subdivision	BEAR GULLY FOREST
Legal Tract	512
Legal Lot Number	3
Jurisdiction	SEMINOLE FL
Township / Civil Division	CASSELBERRY-ALTAMONTE SPRINGS
Census Block Group	1
Census Block	1000
Census Tract	22207

Owner

4170 Bear Gully Rd is owned and occupied by an individual who bought it in April 2021.

Source: Seminole County records, as of December 29, 2025

Owner of Record	Individual Name on File
Mailing Address	4170 BEAR GULLY RD, WINTER PARK, FL 32792-9308
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
Sep 11, 2019	Deed of Trust, Mortgage · Conventional Mortgage SUNTRUST BANK
Sep 8, 2020	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Apr 21, 2021	Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 21, 2021 · Amount on File
Deed Sale	Apr 21, 2021 · Amount on File
Prior Sale	May 12, 2005
Deed Document Number	202152396
Deed Book / Page	9908 / 1641
Prior Transfer Date	Apr 5, 2021
Prior Transfer Doc	0099081641
Record Updated	Jun 8, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	4170 BEAR GULLY RD, WINTER PARK, FL 32792-9308
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0094321823
Date	Sep 11, 2019
Book Page	09432/1823
Instrument	2019097952

Lender

Name	SUNTRUST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Sep 1, 2039

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	4170 BEAR GULLY RD, WINTER PARK, FL 32792-9308
Transaction Type	Mortgage
Record Updated	Aug 2, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4170 BEAR GULLY RD, WINTER PARK, FL 32792-9308

Mortgage

Document Number	0096980259
Date	Sep 8, 2020
Book Page	9698/259
Instrument	2020099105

Lender

Name	TRUIST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 7, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Apr 21, 2021
Property Address	4170 BEAR GULLY RD, WINTER PARK, FL 32792-9308
Document Number	0099081641
Book / Page	9908 / 1641
Map Reference	MB 61 PG 1-5
Instrument Date	Apr 5, 2021
Instrument	2021052396
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	INNOVATIVE TITLE SERVICES I LLC, INNOVATIVE TITLE SVCS I LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,106.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4170 BEAR GULLY RD, WINTER PARK, FL 32792-9308

Mortgage

Document Number	0099081643
Date	Apr 21, 2021
Instrument	9908/1643

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 4170 Bear Gully Rd was $5,825 with a homeowner's exemption.

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	$5,825.00 Homeowner's exemption	$433,463	$484,967 Land $100,000 Building $384,967
2023	$5,316.00 (+2.45%) Homeowner's exemption	$408,978 (+3%)	$492,352 (+4.98%) Land $100,000 Building $392,352
2022	$5,189.00 Homeowner's exemption	$397,066	$468,984 Land $95,000 Building $373,984

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

Flood

FEMA maps place 4170 Bear Gully Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	3 (2008–2022)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Sep 2022 · Hurricane Ian

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 4170 Bear Gully Rd is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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	SEMINOLE COUNTY SOUTHEAST serves 70,040 people · EPA ID FL3590571
Water Source	Groundwater
Last State Inspection	Apr 2024
Lead	1 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	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 333 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area	2,000 / 1,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Metronet, Verizon.

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