Seminole County property record for 645 Pavia Loop, Lake Mary, FL 32746
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,168 sqft · built 2012 |
| Lot Size | 0.027 acres (1,211 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $307,000 (Dec 2020) |
| Tax Bill | $4,129 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Mar 2022 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-20-30-514-0000-0470 |
| Primary APN | 08-20-30-514-0000-0470 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 3 Stories |
| Building Area | 2,168 sqft Living Area |
| 1st Floor Area | 477 sqft |
| 2nd Floor Area | 1,691 sqft |
| Upper Floors Area | 1,691 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2012 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Tile |
| Lot Area | 1,211 sqft |
| Garage Area | 447 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 115 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 645 PAVIA LOOP |
|---|---|
| City | LAKE MARY |
| State | FL |
| Zip | 32746-2658 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 47 FOUNTAIN PARKE AT LAKE MARY PHASE 2 PB 70 PGS 70 - 76 |
| Legal Range | 30E |
| Legal Township | 20S |
| Legal Section | 08 |
| Legal Subdivision | FOUNTAIN PARKE AT LAKE MARY |
| Legal Phase | 2 |
| Legal Tract | 514 |
| Legal Lot Number | 47 |
| Jurisdiction | SEMINOLE FL |
| Township / Civil Division | SANFORD |
| Census Block Group | 2 |
| Census Block | 2053 |
| Census Tract | 20805 |
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 Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 645 PAVIA LOOP, LAKE MARY, FL 32746-2658 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 3, 2025 | Deed of Trust, Mortgage · FHA Mortgage NEW AMERICAN FUNDING |
| Mar 28, 2022 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Dec 8, 2020 | Warranty Deed, Transfer · FHA Mortgage BROKER SOLUTIONS INC |
| May 31, 2018 | Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Jun 26, 2017 | Deed of Trust, Mortgage · Conventional Mortgage RP FNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 8, 2020 · Amount on Record |
| Deed Sale | Dec 8, 2020 · Amount on Record |
| Prior Sale | May 31, 2018 · Amount on Record |
| Deed Document Number | 2020141670 |
| Deed Book / Page | 9782 / 1045 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 645 PAVIA LOOP, LAKE MARY, FL 32746-2658 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2025 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 645 PAVIA LOOP, LAKE MARY, FL 32746-2658 |
| Investor | Possibly a Property Investor |
| Document Number | 0109081288 |
|---|---|
| Date | Oct 3, 2025 |
| Book Page | 10908/1288 |
| Instrument | 2025098038 |
| Name | NEW AMERICAN FUNDING |
|---|---|
| Type | Lending Institution |
| Address | AUSTIN, TX 78726 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 303 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 645 PAVIA LOOP, LAKE MARY, FL 32746-2658 |
| Transaction Type | Mortgage |
| Record Updated | Apr 6, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 645 PAVIA LOOP, LAKE MARY, FL 32746-2658 |
| Document Number | 0102021741 |
|---|---|
| Date | Mar 28, 2022 |
| Book Page | 10202/1741 |
| Instrument | 2022037088 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 346 Months |
| Due | Jan 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Dec 8, 2020 |
| Property Address | 645 PAVIA LOOP, LAKE MARY, FL 32746-2658 |
| Document Number | 0097821045 |
| Book / Page | 9782 / 1045 |
| Map Reference | MB 70 PG 70-76 |
| Instrument Date | Nov 2, 2020 |
| Instrument | 2020141670 |
| Transaction Type | Transfer |
| Record Updated | Dec 22, 2021 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,149.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2931 CORAL SHORES DR, 2931, FORT LAUDERDALE, FL 33306-1257 |
| Name | Verified Name |
|---|---|
| Address | 645 PAVIA LOOP, LAKE MARY, FL 32746-2658 |
| Document Number | 0097821047 |
|---|---|
| Date | Dec 8, 2020 |
| Instrument | 9782/1047 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | May 31, 2018 |
| Property Address | 645 PAVIA LOOP, LAKE MARY, FL 32746-2658 |
| Document Number | 0091430854 |
| Book / Page | 09143 / 0854 |
| Map Reference | MB70 PG70-76 |
| Instrument Date | May 23, 2018 |
| Instrument | 2018061711 |
| Transaction Type | Transfer |
| Record Updated | Dec 22, 2021 |
| Title Company | FIRST SIGNATURE TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,163.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 13194 US HIGHWAY 301 S, 13194, RIVERVIEW, FL 33578-7410 |
| Name | Verified Name |
|---|---|
| Address | 645 PAVIA LOOP, LAKE MARY, FL 32746-2658 |
| Document Number | 2018061712 |
|---|---|
| Date | May 31, 2018 |
| Instrument | 2018061712 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 645 PAVIA LOOP, LAKE MARY, FL 32746-2658 |
| Document Number | 0089491282 |
| Book / Page | 008949 / 001282 |
| Instrument Date | Jun 26, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 645 PAVIA LOOP LAKE MARY FL 327462658, LAKE MARY, FL 32746-2658 |
| Document Number | 0089491282 |
|---|---|
| Date | Jul 10, 2017 |
| Book Page | 008949/001282 |
| Instrument | 69480 |
| Name | RP FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | MAITLAND, FL 32751 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 9, 2037 |
Source: Seminole County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Seminole County |
| Municipality | Lake Mary City |
| Unified School District | Seminole County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,129.00 (+13.03%) Homeowner's exemption | $318,971 (+5.99%) | $386,614 (+0.24%) Land $65,000 Building $321,614 |
| 2023 | $3,653.00 (+2.73%) Homeowner's exemption | $300,953 (+3%) | $385,675 (+7.51%) Land $65,000 Building $320,675 |
| 2022 | $3,556.00 Homeowner's exemption | $292,187 | $358,726 Land $60,000 Building $298,726 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 44 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 44 in force |
| Nearby Flood Claims | 4 (2015–2022) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
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 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 | CITY OF LAKE MARY serves 17,066 people · EPA ID FL3590201 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2025 |
| Lead | 2 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 682 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · Fiber, DSL in parts of the area | 100 / 20 |
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