4309 Steed Ter, Winter Park, FL 32792 Property Records

Seminole County property record for 4309 Steed Ter, Winter Park, FL 32792

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 2,295 sqft · built 1990
Lot Size	0.312 acres (13,607 sqft)
Owner	2 Individual Names on File
Last Sale	$600,000 (Sep 2023)
Tax Bill	$5,370 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-21-30-514-0000-0510`

Property Details

APN / Parcel Number

Primary APN	`25-21-30-514-0000-0510`
Alternative APN	`21302551400000510`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	2,295 sqft Living Area
Gross Area	2,895 sqft
1st Floor Area	2,295 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	13,607 sqft (0.312 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Open Porch
Porch Area	334 sqft
Patio Area	640 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Solar

Location & Zoning

Street Address	4309 STEED TER
City	WINTER PARK
State	FL
Zip	32792-7630
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1AAA
Legal Description	LOT 51 KINGS COVE PB 38 PGS 64 TO 66
Legal Range	30E
Legal Township	21S
Legal Section	25
Legal Subdivision	KINGS COVE
Legal Tract	514
Legal Lot Number	51
Jurisdiction	SEMINOLE FL
Township / Civil Division	CASSELBERRY-ALTAMONTE SPRINGS
Census Block Group	2
Census Block	2000
Census Tract	22207

Owner

4309 Steed Ter is owned and occupied by two individuals who bought it in September 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	4309 STEED TER, WINTER PARK, FL 32792-7630
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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 22, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 2, 2017	Warranty Deed, Transfer · VA Mortgage WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 22, 2023 · Amount on File
Deed Sale	Sep 22, 2023 · Amount on File
Prior Sale	May 2, 2017 · Amount on File
Deed Document Number	202388007
Deed Book / Page	10511 / 911
Prior Transfer Date	Mar 16, 2005
Prior Transfer Doc	0056940001
Record Updated	Jun 8, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Sep 22, 2023
Property Address	4309 STEED TER, WINTER PARK, FL 32792-7630
Document Number	0105110911
Book / Page	10511 / 911
Map Reference	MB 38 PG 64
Instrument Date	Sep 15, 2023
Instrument	2023088007
Transaction Type	Transfer
Record Updated	Oct 6, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	40 TOPAZ LN, ROCHESTER, NH 03839-5704

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4309 STEED TER, WINTER PARK, FL 32792-7630

Mortgage

Document Number	0010511913
Date	Sep 22, 2023
Instrument	10511/913

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	May 2, 2017
Property Address	4309 STEED TER, WINTER PARK, FL 32792-7630
Document Number	0089040412
Book / Page	08904 / 0412
Map Reference	MB38 PG64
Instrument Date	Apr 13, 2017
Instrument	2017042788
Transaction Type	Transfer
Record Updated	Dec 22, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,520.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1750 CHOCTAW TRL, 1750, MAITLAND, FL 32751-3860

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4309 STEED TER, WINTER PARK, FL 32792-7630

Mortgage

Document Number	2017042789
Date	May 2, 2017
Instrument	2017042789

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 4309 Steed Ter was $5,370.

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	$5,370.00	$399,806	$499,114 Land $110,000 Building $389,114
2023	$6,269.00 (+11.05%)	$451,108 (+16.98%)	$451,108 (+9.18%) Land $95,000 Building $356,108
2022	$5,645.00	$385,614	$413,181 Land $85,000 Building $328,181

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

Flood

FEMA maps place 4309 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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 53 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	53 in force
Nearby Flood Claims	6 (1996–2022)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Sep 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 4309 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 Risk	Low lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% 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	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 240 locations within half a mile, as of December 31, 2025

Provider	Max 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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