4345 Steed Ter, Winter Park, FL 32792 Property Records

Seminole County property record for 4345 Steed Ter, Winter Park, FL 32792

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,363 sqft · built 1988
Lot Size	0.432 acres (18,832 sqft)
Owner	Individual Name on File
Last Sale	$490,000 (Nov 2021)
Tax Bill	$6,349 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Jul 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`25-21-30-514-0000-0420`

Property Details

APN / Parcel Number

Primary APN	`25-21-30-514-0000-0420`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	2,363 sqft Living Area
1st Floor Area	2,363 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1995
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	18,832 sqft
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Porch
Porch Area	284 sqft
Patio Area	1,332 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4345 STEED TER
City	WINTER PARK
State	FL
Zip	32792-7630
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 42 KINGS COVE PB 38 PGS 64 TO 66
Legal Range	30
Legal Township	21
Legal Section	25
Legal Subdivision	KINGS COVE
Legal Tract	514
Legal Lot Number	42
Jurisdiction	SEMINOLE FL
Township / Civil Division	CASSELBERRY-ALTAMONTE SPRINGS
Census Block Group	2
Census Block	2000
Census Tract	22207

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 Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	4345 STEED TER, WINTER PARK, FL 32792-7630
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2021	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP
Jul 24, 2019	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 29, 2021 · Amount on File
Deed Sale	Nov 29, 2021 · Amount on File
Prior Sale	May 24, 2016 · Amount on File
Deed Document Number	2021155038
Deed Book / Page	10107 / 757
Record Updated	Jun 8, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Nov 29, 2021
Property Address	4345 STEED TER, WINTER PARK, FL 32792-7630
Document Number	0101070757
Book / Page	10107 / 757
Map Reference	MB 38 PG 64
Instrument Date	Nov 22, 2021
Instrument	2021155038
Transaction Type	Transfer
Record Updated	Dec 13, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,430.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4345 STEED TER, 4345, WINTER PARK, FL 32792-7630

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	968 WILLOW RUN LN, WINTER SPRINGS, FL 32708-4962

Mortgage

Document Number	10107759
Date	Nov 29, 2021
Instrument	10107/759

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

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

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	4345 STEED TER, WINTER PARK, FL 32792-7630
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0094001223
Date	Jul 24, 2019
Book Page	09400/1223
Instrument	2019079036

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Aug 8, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Seminole County assessment roll, as of July 1, 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	$6,349.00 (+1.28%) Homeowner's exemption	$501,667 (+10.84%)	$503,883 (+11.33%) Land $110,000 Building $393,883
2023	$6,269.00 (+11.31%)	$452,604 (+17.67%)	$452,604 (+9.3%) Land $95,000 Building $357,604
2022	$5,632.00	$384,653	$414,106 Land $85,000 Building $329,106

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 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

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

Wildfire Risk	Low lower than 94% of the US · lower than 95% 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 352 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 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Metronet.

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