Seminole County property record for 650 Cayuga Dr, Winter Springs, FL 32708
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,429 sqft · built 1987 |
| Lot Size | 0.393 acres (17,115 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $700,000 (May 2026) |
| Tax Bill | $5,230 (2025) |
| Deeds & Mortgages | Jun 2021 Second Mortgage Dec 2022 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-21-31-5HS-0000-0920 |
| Primary APN | 08-21-31-5HS-0000-0920 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,429 sqft Living Area |
| Gross Area | 3,050 sqft |
| 1st Floor Area | 2,429 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Footing |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 17,115 sqft (0.393 acres) |
| Garage Type | Attached |
| Garage Area | 621 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 1 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 336 sqft |
| Patio Area | 2 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 650 CAYUGA DR |
|---|---|
| City | WINTER SPRINGS |
| State | FL |
| Zip | 32708-5603 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | LOT 92 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 | 92 |
| Jurisdiction | SEMINOLE FL |
| Township / Civil Division | OVIEDO |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 21313 |
Source: Seminole County records, as of June 8, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 650 CAYUGA DR, WINTER SPRINGS, FL 32708-5603 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jun 9, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage MCCOY FCU |
| Dec 29, 2022 | Deed of Trust, Mortgage · Conventional Mortgage CAMPUS USA CU |
| May 26, 2026 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Mar 5, 2019 | Deed of Trust, Mortgage MCCOY FCU |
| Nov 16, 2017 | Deed of Trust, Mortgage · Conventional Mortgage MCCOY FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 26, 2026 · Amount on Record |
| Deed Sale | May 26, 2026 · Amount on Record |
| Prior Sale | Sep 6, 2013 · Amount on Record |
| Deed Document Number | 202651828 |
| Deed Book / Page | 11044 / 895 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 650 CAYUGA DR, WINTER SPRINGS, FL 32708-5603 |
| Transaction Type | Mortgage |
| Record Updated | Jun 5, 2026 |
| Title Company | MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC |
| Name | Verified Name |
|---|---|
| Address | 650 CAYUGA DR, WINTER SPRINGS, FL 32708-5603 |
| Document Number | 0099561754 |
|---|---|
| Date | Jun 9, 2021 |
| Book Page | 9956/1754 |
| Instrument | 2021077531 |
| Name | MCCOY FCU |
|---|---|
| Type | Credit Union |
| Address | ORLANDO, FL 32809 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 650 CAYUGA DR, WINTER SPRINGS, FL 32708-5603 |
| Transaction Type | Mortgage |
| Record Updated | Jun 5, 2026 |
| Name | Verified Name |
|---|---|
| Address | 650 CAYUGA DR, WINTER SPRINGS, FL 32708-5603 |
| Document Number | 0103680453 |
|---|---|
| Date | Dec 29, 2022 |
| Book Page | 10368/453 |
| Instrument | 2022138751 |
| Name | CAMPUS USA CU |
|---|---|
| Type | Credit Union |
| Address | NEWBERRY, FL 32669 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.37% |
| Type Change Date | Jan 1, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 5.37% |
| Max Rate At Change | 10.3% |
| Index | 1-Year T-Bill |
| Max Rate | 10.3% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | May 26, 2026 |
| Property Address | 650 CAYUGA DR, WINTER SPRINGS, FL 32708-5603 |
| Document Number | 0110440895 |
| Book / Page | 11044 / 895 |
| Instrument Date | May 22, 2026 |
| Instrument | 202651828 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2026 |
| Title Company | CLOSING AGENT INC, CLOSING AGENT LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $494,900.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 650 CAYUGA DR, WINTER SPRINGS, FL 32708-5603 |
| Document Number | 0000051829, |
|---|---|
| Date | May 26, 2026 |
| Instrument | 202651829 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 650 CAYUGA DR, WINTER SPRINGS, FL 32708-5603 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | MORTGAGEE TITLE SERVICES INC |
| Name | Verified Name |
|---|
| Document Number | 0093091066 |
|---|---|
| Date | Mar 5, 2019 |
| Book Page | 09309/1066 |
| Instrument | 2019023375 |
| Name | MCCOY FCU |
|---|---|
| Type | Credit Union |
| Address | ORLANDO, FL 32809 |
| Amount | Amount Recorded |
|---|---|
| Term | 240 Months |
| Due | Mar 4, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 650 CAYUGA DR, WINTER SPRINGS, FL 32708-5603 |
| Document Number | 0090321018 |
| Book / Page | 009032 / 001018 |
| Instrument Date | Nov 16, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2018 |
| Title Company | MORTGAGE TITLE SERVICES INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 650 CAYUGA DR WINTER SPRINGS FL 327085603, WINTER SPRINGS, FL 32708-5603 |
| Document Number | 0090321018 |
|---|---|
| Date | Dec 1, 2017 |
| Book Page | 009032/001018 |
| Instrument | 121244 |
| Name | MCCOY FCU |
|---|---|
| Type | Credit Union |
| Address | ORLANDO, FL 32809 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Nov 30, 2037 |
Source: Seminole County assessment roll, as of December 29, 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 | $5,230.00 (+10.78%) Homeowner's exemption | $353,372 (+5.99%) | $595,410 (+14.23%) Land $150,000 Building $445,410 |
| 2023 | $4,721.00 (+2.83%) Homeowner's exemption | $333,411 (+3%) | $521,222 (+8.47%) Land $140,000 Building $381,222 |
| 2022 | $4,591.00 Homeowner's exemption | $323,700 | $480,534 Land $120,000 Building $360,534 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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.
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.
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 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures