Seminole County property record for 644 Saranac Dr, Winter Springs, FL 32708
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,152 sqft · built 1986 |
| Owner | 2 Individual Names on Record |
| Last Sale | $335,000 (Dec 2018) |
| Tax Bill | $4,934 (2025) |
| Deeds & Mortgages | Jan 2024 Second Mortgage Oct 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-21-31-5HS-0000-0610 |
| Primary APN | 08-21-31-5HS-0000-0610 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,152 sqft Living Area |
| 1st Floor Area | 2,152 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 430 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 644 SARANAC DR |
|---|---|
| City | WINTER SPRINGS |
| State | FL |
| Zip | 32708-5606 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 61 TUSCAWILLA UNIT 14A PB 32 PGS 21 TO 24 |
| Legal Section | 08 |
| Legal Subdivision | TUSCAWILLA |
| Legal Lot Number | 61 |
| Legal Unit | 14 |
| Jurisdiction | SEMINOLE FL |
| Township / Civil Division | OVIEDO |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 21313 |
Source: Seminole County records, as of December 5, 2025
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 Record |
|---|---|
| Mailing Address | 644 SARANAC DR, WINTER SPGS, FL 32708-5606 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 30, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU |
| Oct 26, 2021 | Deed of Trust, Mortgage · VA Mortgage NAVY FCU |
| Nov 19, 2019 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Dec 21, 2018 | Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 21, 2018 · Amount on Record |
| Deed Sale | Dec 21, 2018 · Amount on Record |
| Deed Document Number | 2018143405 |
| Deed Book / Page | 09270 / 1184 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 644 SARANAC DR, WINTER SPRINGS, FL 32708-5606 |
| Transaction Type | Mortgage |
| Record Updated | Feb 8, 2024 |
| Name | Verified Name |
|---|---|
| Address | 644 SARANAC DR, WINTER SPRINGS, FL 32708-5606 |
| Document Number | 0105720688 |
|---|---|
| Date | Jan 30, 2024 |
| Book Page | 10572/688 |
| Instrument | 2024008761 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 1, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 644 SARANAC DR, WINTER SPRINGS, FL 32708-5606 |
| Transaction Type | Mortgage |
| Record Updated | Nov 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 644 SARANAC DR, WINTER SPRINGS, FL 32708-5606 |
| Document Number | 0100791653 |
|---|---|
| Date | Oct 26, 2021 |
| Book Page | 10079/1653 |
| Instrument | 2021141174 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 644 SARANAC DR, WINTER SPRINGS, FL 32708-5606 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0094820526 |
|---|---|
| Date | Nov 19, 2019 |
| Book Page | 09482/0526 |
| Instrument | 2019126499 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Dec 21, 2018 |
| Property Address | 644 SARANAC DR, WINTER SPRINGS, FL 32708-5606 |
| Document Number | 0092701184 |
| Book / Page | 009270 / 001184 |
| Instrument Date | Dec 18, 2018 |
| Instrument | 143405 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2020 |
| Title Company | FIRST ADVANTAGE TITLE COMPANY, FIRST ADVANTAGE TITLE PTRS |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,345.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 644 SARANAC DR WINTER SPRINGS FL 327085606, WINTER SPRINGS, FL 32708-5606 |
| Document Number | 92701185 |
|---|---|
| Date | Dec 21, 2018 |
| Book Page | 009270/001185 |
| Instrument | 143406 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 20, 2048 |
Source: Seminole County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Seminole County |
| Municipality | Winter Springs City |
| Unified School District | Seminole County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,934.00 (+10.13%) Homeowner's exemption | $342,271 (+5.99%) | $517,071 (+14.81%) Land $150,000 Building $367,071 |
| 2023 | $4,480.00 (+2.92%) Homeowner's exemption | $322,937 (+3%) | $450,368 (+9.32%) Land $140,000 Building $310,368 |
| 2022 | $4,353.00 Homeowner's exemption | $313,531 | $411,967 Land $120,000 Building $291,967 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 30 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 30 in force |
| Nearby Flood Claims | 1 (2021) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 2021 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 146 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| WOW Internet, Cable & Phone Fiber | 5,000 / 5,000 |
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures