649 Cayuga Dr, Winter Springs, FL 32708 Property Records

Seminole County property record for 649 Cayuga Dr, Winter Springs, FL 32708

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 2,690 sqft · built 1987
Lot Size	0.393 acres (17,114 sqft)
Owner	2 Individual Names on Record
Last Sale	$520,000 (Jul 2020)
Tax Bill	$7,367 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-21-31-5HS-0000-0910`

Property Details

APN / Parcel Number

Primary APN	`08-21-31-5HS-0000-0910`
Alternative APN	`2131085HS00000910`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Stories	1 Story
Building Area	2,690 sqft Living Area
Gross Area	3,272 sqft
1st Floor Area	2,690 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2007
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	17,114 sqft (0.393 acres)
Garage Type	Attached
Garage Area	582 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Open Porch
Porch Area	305 sqft
Patio Area	794 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	649 CAYUGA DR
City	WINTER SPRINGS
State	FL
Zip	32708-5604
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 91 TUSCAWILLA UNIT 14A PB 32 PGS 21 TO 24
Legal Range	31E
Legal Township	21S
Legal Section	08
Legal Subdivision	TUSCAWILLA UNIT 14A
Legal Tract	5HS
Legal Lot Number	91
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	3
Census Block	3001
Census Tract	21313

Owner

Source: Seminole County records, as of April 7, 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 Record
Mailing Address	649 CAYUGA DR, WINTER SPRINGS, FL 32708-5604
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2020 · Amount on Record
Deed Sale	Jul 13, 2020 · Amount on Record
Prior Sale	Dec 31, 2014 · Amount on Record
Deed Document Number	202073836
Deed Book / Page	9648 / 1372
Prior Transfer Date	May 1, 2003
Prior Transfer Doc	0000080705
Record Updated	Oct 29, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Jul 13, 2020
Property Address	649 CAYUGA DR, WINTER SPRINGS, FL 32708-5604
Document Number	0096481372
Book / Page	9648 / 1372
Map Reference	MB 32 PG 21-24
Instrument Date	Jun 30, 2020
Instrument	2020073836
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	SUNBELT TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,640.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1243 TAN OAK PL, 1243, VERO BEACH, FL 32966-4737

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	649 CAYUGA DR, WINTER SPRINGS, FL 32708-5604

Mortgage

Document Number	0096481373
Date	Jul 13, 2020
Instrument	9648/1373

Lender

Name	DIRECT MORTGAGE INVESTORS INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

Source: Seminole County assessment roll, as of December 29, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Seminole County
Municipality	Winter Springs City
Unified School District	Seminole County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,367.00 (+10.53%) Homeowner's exemption	$485,405 (+5.99%)	$694,413 (+15.64%) Land $150,000 Building $544,413
2023	$6,665.00 (+2.68%) Homeowner's exemption	$457,985 (+3%)	$600,519 (+8.2%) Land $140,000 Building $460,519
2022	$6,491.00 Homeowner's exemption	$444,646	$554,988 Land $120,000 Building $434,988

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

Flood

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 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 201 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