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4297 Steed Ter, Winter Park, FL 32792 Property Records

Seminole County property record for 4297 Steed Ter, Winter Park, FL 32792

Property Summary

Property TypeSingle Family Home
Details4 bd · 3.5 ba · 2,451 sqft · built 1991
Lot Size0.321 acres (13,998 sqft)
Owner2 Individual Names on File
Last Sale$170,000 (May 1995)
Tax Bill$3,571 (2025)
Deeds & MortgagesOct 2026 Line of Credit
May 2026 Line of Credit
+ 1 more
Flood ZoneZone X (minimal risk)
APN25-21-30-514-0000-0540

Property Details

APN / Parcel Number

Primary APN25-21-30-514-0000-0540
Alternative APN
  • 21302551400000540

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures11 Plumbing Fixtures
Stories1 Story
Building Area2,451 sqft Living Area
Gross Area3,035 sqft
1st Floor Area2,451 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1991
Effective Year BuiltEffective 1991
Exterior MaterialConcrete Block/Stucco
Construction TypeMasonry / Concrete Block
Foundation TypeFooting
Roof TypeCathedral/Clerestory
Roof MaterialComposition Shingle
Lot Area13,998 sqft (0.321 acres)
Garage TypeAttached
Garage Area584 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area1 sqft
PorchOpen Porch
Porch Area419 sqft
Patio Area1 sqft
Water FeatureWater Feature

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating FuelSolar

Location & Zoning

Street Address4297 STEED TER
CityWINTER PARK
StateFL
Zip32792-7629
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1AAA
Legal DescriptionLOT 54 KINGS COVE PB 38 PGS 64 TO 66
Legal Range30E
Legal Township21S
Legal Section25
Legal SubdivisionKINGS COVE
Legal Tract514
Legal Lot Number54
JurisdictionSEMINOLE FL
Township / Civil DivisionCASSELBERRY-ALTAMONTE SPRINGS
Census Block Group2
Census Block2000
Census Tract22207

Owner

4297 Steed Ter is owned by two individuals who acquired it in July 2025.

Source: Seminole County records, as of October 21, 2026

Owner of Record2 Individual Names on File
Mailing Address44 MAPLE ST, BEACHWOOD, NJ 08722-3539
Owner TypeIndividual
VestingLife Estate

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

DateDocument
Oct 12, 2026Deed of Trust, Mortgage · Line of Credit
LOANDEPOT.COM LLC
May 20, 2026Deed of Trust, Mortgage · Line of Credit
FAIRWINDS CREDIT UNION
Dec 12, 2018Deed of Trust, Mortgage · Line of Credit
FAIRWINDS CU

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 31, 1995 · Amount on File
Deed SaleMay 31, 1995 · Amount on File
Prior SaleAug 1, 1994 · Amount on File
Deed Book / Page2921 / 824
Last Transfer DateJul 3, 2025
Transfer Doc0108560202
Record UpdatedOct 29, 2026

October 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSEMINOLE FL
Recording DateOct 12, 2026
Property Address4297 STEED TER, WINTER PARK, FL 32792-7629
Document Number0000100418
Book / Page11126 / 845
Instrument DateOct 5, 2026
Instrument2026100418
Transaction TypeMortgage
Record UpdatedOct 21, 2026
Title CompanyTITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000100418,
DateOct 12, 2026
Book Page11126/845
Instrument2026100418
Lender
NameLOANDEPOT.COM LLC
Agreement
TypeLine of Credit
AmountAmount on Record
Term240 Months
DueOct 30, 2046
Interest
Max Rate-1%

May 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSEMINOLE FL
Recording DateMay 20, 2026
Property Address4297 STEED TER, WINTER PARK, FL 32792-7629
Document Number0110411057
Book / Page11041 / 1057
Instrument DateMay 14, 2026
Instrument202650207
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyMORTGAGE TITLE SERVICES INC, MORTGAGE TITLE SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000050207,
DateMay 20, 2026
Book Page11041/1057
Instrument202650207
Lender
NameFAIRWINDS CREDIT UNION
Agreement
TypeLine of Credit
AmountAmount on Record
Term360 Months
DueMay 25, 2056
Interest
Rate TypeBalloon
Rate6.05%
Initial TypeBalloon
Max Rate-1%

December 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSEMINOLE FL
Property Address4297 STEED TER, WINTER PARK, FL 32792-7629
Document Number0092691925
Instrument DateDec 12, 2018
Transaction TypeMortgage
Record UpdatedJan 9, 2019
Title CompanyMORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SVCS INC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address4297 STEED TER WINTER PARK FL 327927629, WINTER PARK, FL 32792-7629

Mortgage

Document Number0092691925
DateDec 20, 2018
Book Page009269/001925
Instrument143064
Lender
NameFAIRWINDS CU
AddressORLANDO, FL 32826
Agreement
TypeLine of Credit
AmountAmount on Record
Term360 Months
DueDec 19, 2048
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4297 Steed Ter was $3,571.

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,571.00$269,205$534,279 Land $110,000 Building $424,279
2023$3,188.00 (+2.54%) Homeowner's exemption$244,289 (+3%)$474,205 (+9.18%) Land $95,000 Building $379,205
2022$3,109.00 Homeowner's exemption$237,174$434,327 Land $85,000 Building $349,327

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

Flood

FEMA maps place 4297 Steed Ter in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1996.

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 File
median of 53 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies53 in force
Nearby Flood Claims6 (1996–2022)
Claims Outside the SFHA3 of 6
Most Recent ClaimSep 2022 · Hurricane Ian
Claims by Event
  • Hurricane Ian, Sep 2022 · 2 claims
  • Hurricane Frances, Sep 2004 · 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

Wildfire risk around 4297 Steed Ter is low, with a 0.02% annual chance of wildfire.

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

Wildfire RiskLow
lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood0.02% 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 SystemSEMINOLE COUNTY SOUTHEAST
serves 70,040 people · EPA ID FL3590571
Water SourceGroundwater
Last State InspectionApr 2024
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 240 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
CenturyLink
Fiber		8,000 / 8,000
Spectrum
Cable		1,000 / 50
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

May also be available: Metronet.

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