Seminole County property record for 509 Silvergate Loop, Lake Mary, FL 32746
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,735 sqft · built 1986 |
| Lot Size | 0.149 acres (6,480 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $392,500 (Sep 2024) |
| Tax Bill | $4,993 (2025) |
| Deeds & Mortgages | Mar 2024 Line of Credit Apr 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-20-30-5HZ-0A00-0510 |
| Primary APN | 17-20-30-5HZ-0A00-0510 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,735 sqft Living Area |
| Gross Area | 2,216 sqft |
| 1st Floor Area | 1,735 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,480 sqft (0.149 acres) |
| Garage Type | Attached |
| Garage Area | 481 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 79 sqft |
| Patio Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 509 SILVERGATE LOOP |
|---|---|
| City | LAKE MARY |
| State | FL |
| Zip | 32746-3722 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | LOT 51 BLK A LAKEWOOD AT THE CROSSINGS UNIT 2 PB 33 PGS 49 TO 53 |
| Legal Range | 30E |
| Legal Township | 20S |
| Legal Section | 17 |
| Legal Subdivision | LAKEWOOD AT THE CROSSINGS UNIT 2 |
| Legal Tract | 5HZ |
| Legal Block | A |
| Legal Lot Number | 51 |
| Jurisdiction | SEMINOLE FL |
| Township / Civil Division | SANFORD |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 20811 |
509 Silvergate Loop is owned and occupied by two individuals who bought it in September 2024.
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 | 509 SILVERGATE LOOP, LAKE MARY, FL 32746-3722 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Mar 5, 2024 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Apr 21, 2017 | Deed of Trust, Mortgage TRUSTCO BANK |
| Nov 4, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TRUSTCO BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 12, 2024 · Amount on File |
| Deed Sale | Sep 12, 2024 · Amount on File |
| Prior Sale | Jun 4, 2015 · Amount on File |
| Deed Document Number | 202483302 |
| Deed Book / Page | 10695 / 61 |
| Transfer Doc | 0033850750 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 509 SILVERGATE LOOP, LAKE MARY, FL 32746-3722 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2026 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|---|
| Address | 509 SILVERGATE LOOP, LAKE MARY, FL 32746-3722 |
| Document Number | 0105900627 |
|---|---|
| Date | Mar 5, 2024 |
| Book Page | 10590/627 |
| Instrument | 2024019597 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Feb 22, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 509 SILVERGATE LOOP, LAKE MARY, FL 32746-3722 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0088980421 |
|---|---|
| Date | Apr 21, 2017 |
| Book Page | 08898/0421 |
| Instrument | 2017039271 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | LONGWOOD, FL 32750 |
| Amount | Amount on Record |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 509 SILVERGATE LOOP, LAKE MARY, FL 32746-3722 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 509 SILVERGATE LOOP, LAKE MARY, FL 32746-3722 |
| Document Number | 0097530708 |
|---|---|
| Date | Nov 4, 2020 |
| Book Page | 9753/708 |
| Instrument | 2020126479 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | LONGWOOD, FL 32750 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Oct 29, 2050 |
The 2025 property tax bill for 509 Silvergate Loop was $4,993.
Source: Seminole County assessment roll, as of December 29, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Seminole County |
| Unified School District | Seminole County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,993.00 | $335,937 Land $85,000 Building $250,937 | $335,937 Land $85,000 Building $250,937 |
| 2023 | $2,234.00 (+0.13%) Homeowner's exemption | $187,043 (+3%) | $314,940 (+8.45%) Land $80,000 Building $234,940 |
| 2022 | $2,231.00 Homeowner's exemption | $181,595 | $290,410 Land $68,000 Building $222,410 |
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.
FEMA maps place 509 Silvergate Loop in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2004.
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 |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 2 (2004–2009) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | May 2009 · other causes |
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 risk around 509 Silvergate Loop is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SEMINOLE COUNTY NORTHEAST serves 19,925 people · EPA ID FL3590473 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 395 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 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures