Seminole County property record for 645 Saranac Dr, Winter Springs, FL 32708
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,520 sqft · built 1987 |
| Lot Size | 0.34 acres (14,845 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $416,800 (Jul 2017) |
| Tax Bill | $6,038 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage Jul 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-21-31-5HS-0000-0500 |
| Primary APN | 08-21-31-5HS-0000-0500 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,520 sqft Living Area |
| 1st Floor Area | 2,522 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 14,845 sqft |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 1 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 430 sqft |
| Patio Area | 603 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 645 SARANAC DR |
|---|---|
| City | WINTER SPRINGS |
| State | FL |
| Zip | 32708-5605 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 50 TUSCAWILLA UNIT 14A PB 32 PGS 21 TO 24 |
| Legal Range | 31E |
| Legal Township | 21S |
| Legal Section | 08 |
| Legal Subdivision | TUSCAWILLA |
| Legal Lot Number | 50 |
| Legal Unit | 14 |
| Jurisdiction | SEMINOLE FL |
| Township / Civil Division | OVIEDO |
| Census Block Group | 3 |
| Census Block | 3000 |
| 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 | 645 SARANAC DR, WINTER SPGS, FL 32708-5605 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Jul 21, 2017 | Warranty Deed, Transfer · Conventional with PMI WATERSTONE MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 1, 2017 · Amount on Record |
| Deed Sale | Jul 1, 2017 · Amount on Record |
| Deed Document Number | 0089561930 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 645 SARANAC DR, WINTER SPRINGS, FL 32708-5605 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 645 SARANAC DR, WINTER SPRINGS, FL 32708-5605 |
| Document Number | 0097151941 |
|---|---|
| Date | Sep 28, 2020 |
| Book Page | 9715/1941 |
| Instrument | 2020108214 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 238 Months |
| Due | Jul 1, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Jul 21, 2017 |
| Property Address | 645 SARANAC DR, WINTER SPRINGS, FL 32708-5605 |
| Document Number | 0089561930 |
| Book / Page | 008956 / 001930 |
| Instrument Date | Jul 19, 2017 |
| Instrument | 73929 |
| Transaction Type | Transfer |
| Record Updated | Sep 4, 2017 |
| Title Company | FIRST ADVANTAGE TITLE COMPANY, FIRST ADVANTAGE TITLE PARTNERS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,917.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 645 SARANAC DR WINTER SPRINGS FL 327085605, WINTER SPRINGS, FL 32708-5605 |
| Document Number | 89561931 |
|---|---|
| Date | Jul 21, 2017 |
| Book Page | 008956/001931 |
| Instrument | 73930 |
| Name | WATERSTONE MTG |
|---|---|
| Type | Mortgage Company |
| Address | PEWAUKEE, WI 53072 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 20, 2047 |
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 | $6,038.00 (+10.53%) Homeowner's exemption | $403,713 (+5.99%) | $612,769 (+14.36%) Land $150,000 Building $462,769 |
| 2023 | $5,463.00 (+2.78%) Homeowner's exemption | $380,908 (+3%) | $535,832 (+8.41%) Land $140,000 Building $395,832 |
| 2022 | $5,315.00 Homeowner's exemption | $369,814 | $494,287 Land $120,000 Building $374,287 |
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 |
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