440 Macgregor Rd, Winter Springs, FL 32708 Property Records

Seminole County property record for 440 Macgregor Rd, Winter Springs, FL 32708

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,834 sqft · built 1989
Lot Size	0.111 acres (4,853 sqft)
Owner	2 Individual Names on File
Last Sale	$390,000 (May 2025)
Tax Bill	$4,781 (2025)
Deeds & Mortgages	May 2025 Sale & Mortgage Jan 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`34-20-30-532-0000-0820`

Property Details

APN / Parcel Number

Primary APN	`34-20-30-532-0000-0820`
Alternative APN	`20303453200000820`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,834 sqft Living Area
Gross Area	2,260 sqft
1st Floor Area	1,834 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	4,853 sqft (0.111 acres)
Garage Type	Attached
Garage Area	426 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed/Unfinished Porch
Porch Area	229 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	440 MACGREGOR RD
City	WINTER SPRINGS
State	FL
Zip	32708-5343
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 82 HIGHLAND VILLAGE 2 PB 40 PGS 40 & 41
Legal Range	30E
Legal Township	20S
Legal Section	34
Legal Subdivision	HIGHLAND VILLAGE 2
Legal Tract	532
Legal Lot Number	82
Jurisdiction	SEMINOLE FL
Township / Civil Division	CASSELBERRY-ALTAMONTE SPRINGS
Census Block Group	4
Census Block	4000
Census Tract	21401

Owner

440 Macgregor Rd is owned and occupied by two individuals who bought it in May 2025.

Source: Seminole County records, as of December 29, 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	2 Individual Names on File
Mailing Address	440 MACGREGOR RD, WINTER SPRINGS, FL 32708-5343
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
May 30, 2025	Warranty Deed, Transfer · Conventional Mortgage SOUTH STATE BANK NA
Jan 3, 2023	Warranty Deed, Transfer · Conventional Mortgage FAIRWINDS CU
Mar 4, 2022	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 30, 2025 · Amount on File
Deed Sale	May 30, 2025 · Amount on File
Prior Sale	Jan 3, 2023 · Amount on File
Deed Document Number	202552656
Deed Book / Page	10834 / 1068
Prior Transfer Date	Feb 24, 2022
Prior Transfer Doc	0101840686
Record Updated	Sep 20, 2026

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	May 30, 2025
Property Address	440 MACGREGOR RD, WINTER SPRINGS, FL 32708-5343
Document Number	0108341068
Book / Page	10834 / 1068
Map Reference	MB 40 PG 40&41
Instrument Date	May 29, 2025
Instrument	2025052656
Transaction Type	Transfer
Record Updated	Dec 8, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,730.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2235 BREAKS LN, CHULUOTA, FL 32766-8727

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 MACGREGOR RD, WINTER SPRINGS, FL 32708-5343

Mortgage

Document Number	0108341070
Date	May 30, 2025
Instrument	10834/1070

Lender

Name	SOUTH STATE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2032
Change Frequency	Annually
Min Rate At Change	4.37%
Max Rate At Change	8.37%
Max Rate	12.3%

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Jan 3, 2023
Property Address	440 MACGREGOR RD, WINTER SPRINGS, FL 32708-5343
Document Number	0103700550
Book / Page	10370 / 550
Map Reference	MB 40 PG 40&41
Instrument Date	Dec 27, 2022
Instrument	2023000048
Transaction Type	Transfer
Record Updated	Dec 8, 2025
Title Company	RED DOOR TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,660.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14531 SHERBROOK PL APT 104, 104, FORT MYERS, FL 33912-7026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 MACGREGOR RD, WINTER SPRINGS, FL 32708-5343

Mortgage

Document Number	0010370552
Date	Jan 3, 2023
Instrument	10370/552

Lender

Name	FAIRWINDS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2053

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SEMINOLE FL
Recording Date	Mar 4, 2022
Property Address	440 MACGREGOR RD, WINTER SPRINGS, FL 32708-5343
Document Number	0101840686
Book / Page	10184 / 686
Map Reference	MB 40 PG 40&41
Instrument Date	Feb 24, 2022
Instrument	2022026864
Transaction Type	Transfer
Record Updated	Dec 8, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	14582 MAJESTIC EAGLE CT, FORT MYERS, FL 33912-1715

Tax Assessment & Valuation

The 2025 property tax bill for 440 Macgregor Rd was $4,781.

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

Property Jurisdictions

Type	Name
State	Florida
County	Seminole County
Municipality	Winter Springs City
Unified School District	Seminole County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,781.00	$337,729 Land $85,000 Building $252,729	$337,729 Land $85,000 Building $252,729
2023	$4,630.00 (+204.81%) Homeowner's exemption	$338,072 (+143.98%)	$338,072 (+16.25%) Land $85,000 Building $253,072
2022	$1,519.00 Homeowner's exemption	$138,564	$290,815 Land $70,000 Building $220,815

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 440 Macgregor Rd in Zone X, an area of minimal flood risk, within 500 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 23 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	23 in force
Nearby Flood Claims	2 (1995–2004)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Aug 2004 · Tropical Storm Bonnie And Hurricane Charley

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 440 Macgregor Rd is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	WINTER SPRINGS, CITY OF (3 WPS) serves 34,657 people · EPA ID FL3590879
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 371 locations within half a mile, as of December 31, 2025

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

May also be available: CenturyLink.

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