544 Silvergate Loop, Lake Mary, FL 32746 Property Records

Seminole County property record for 544 Silvergate Loop, Lake Mary, FL 32746 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,991 sqft · built 1986
Lot Size	0.175 acres (7,630 sqft)
Owner	2 Individual Names on File
Last Sale	$370,000 (Jan 2023)
Tax Bill	$4,770 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-20-30-5HZ-0A00-0640`

Property Details

APN / Parcel Number

Primary APN	`17-20-30-5HZ-0A00-0640`
Alternative APN	`2030175HZ0A000640`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,991 sqft Living Area
Gross Area	2,431 sqft
1st Floor Area	1,991 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

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	7,630 sqft (0.175 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	15 sqft
Patio Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	544 SILVERGATE LOOP
City	LAKE MARY
State	FL
Zip	32746-3741
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 64 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	64
Jurisdiction	SEMINOLE FL
Township / Civil Division	SANFORD
Census Block Group	1
Census Block	1007
Census Tract	20811

Owner

Source: Seminole County records · APN 17-20-30-5HZ-0A00-0640

Assessment roll updated December 29, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	544 SILVERGATE LOOP, LAKE MARY, FL 32746-3741
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 26, 2023 · Amount on Record
Deed Sale	Jan 26, 2023 · Amount on Record
Prior Sale	May 03, 2012 · Amount on Record
Deed Document Number	20237707
Deed Book / Page	10381 / 288
Prior Transfer Date	Jul 01, 1990
Prior Transfer Doc	2212000276
Record Updated	Sep 20, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Jan 26, 2023
Property Address	544 SILVERGATE LOOP, LAKE MARY, FL 32746-3741
Document Number	0103810288
Book / Page	10381 / 288
Map Reference	MB 33 PG 49-53
Instrument Date	Jan 24, 2023
Instrument	2023007707
Transaction Type	Transfer
Record Updated	Feb 08, 2023
Title Company	CELEBRATION TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,590.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	425 CONSERVATORY CV, LAKE MARY, FL 32746-6346

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	544 SILVERGATE LOOP, LAKE MARY, FL 32746-3741

Mortgage

Document Number	0010381301
Date	Jan 26, 2023
Instrument	10381/301

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Feb 01, 2030
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.7%
Index	Other
Max Rate	10.7%

Tax Assessment & Valuation

Source: Seminole County records · Assessment roll updated December 29, 2025 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Florida
County	Seminole County
Unified School District	Seminole County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,770.00 (+4.7%) Homeowner's exemption	$360,498 (+6.67%) Land $85,000 Building $275,498	$360,498 (+6.67%) Land $85,000 Building $275,498
2023	$4,556.00 (+10.45%)	$337,965 (+15.06%)	$337,965 (+8.28%) Land $80,000 Building $257,965
2022	$4,125.00	$293,732	$312,126 Land $68,000 Building $244,126

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Seminole County (12117C), updated November 27, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.