Seminole County property record for 653 Cayuga Dr, Winter Springs, FL 32708
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,791 sqft · built 1987 |
| Lot Size | 0.371 acres (16,169 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $370,000 (Oct 2013) |
| Tax Bill | $5,756 (2025) |
| Deeds & Mortgages | May 2020 Mortgage Jan 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-21-31-5HS-0000-0890 |
| Primary APN | 08-21-31-5HS-0000-0890 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,791 sqft Living Area |
| 1st Floor Area | 2,791 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 | 16,169 sqft |
| Garage Area | 527 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 1 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 277 sqft |
| Patio Area | 688 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Solar |
| Street Address | 653 CAYUGA DR |
|---|---|
| City | WINTER SPRINGS |
| State | FL |
| Zip | 32708-5604 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 89 TUSCAWILLA UNIT 14A PB 32 PGS 21 TO 24 |
| Legal Range | 31E |
| Legal Township | 21S |
| Legal Section | 08 |
| Legal Subdivision | TUSCAWILLA |
| Legal Lot Number | 89 |
| 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 | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 653 CAYUGA DR, WINTER SPGS, FL 32708-5604 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CHRISTENSEN FINANCIAL INC |
| Jan 4, 2018 | Deed of Trust, Mortgage · Line of Credit SUNTRUST BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 21, 2013 · Amount on Record |
| Deed Sale | Oct 21, 2013 · Amount on Record |
| Prior Sale | Jul 18, 2011 · Amount on Record |
| Deed Document Number | 2013135015 |
| Deed Book / Page | 08148 / 0524 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 653 CAYUGA DR, WINTER SPRINGS, FL 32708-5604 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ALL FLORIDA TITLE |
| Name | Verified Name |
|---|
| Document Number | 0096111687 |
|---|---|
| Date | May 29, 2020 |
| Book Page | 9611/1687 |
| Instrument | 2020055247 |
| Name | CHRISTENSEN FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 653 CAYUGA DR, WINTER SPRINGS, FL 32708-5604 |
| Document Number | 0090580189 |
| Instrument Date | Jan 4, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2018 |
| Title Company | AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 653 CAYUGA DR WINTER SPRINGS FL 327085604, WINTER SPRINGS, FL 32708-5604 |
| Document Number | 0090580189 |
|---|---|
| Date | Jan 16, 2018 |
| Book Page | 009058/000189 |
| Instrument | 5034 |
| Name | SUNTRUST BK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 15, 2048 |
| Rate Type | Adjustable Rate |
|---|
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 | $5,756.00 (+10.42%) Homeowner's exemption | $386,751 (+5.99%) | $635,295 (+14.41%) Land $150,000 Building $485,295 |
| 2023 | $5,213.00 (+2.8%) Homeowner's exemption | $364,904 (+3%) | $555,282 (+8.38%) Land $140,000 Building $415,282 |
| 2022 | $5,071.00 Homeowner's exemption | $354,276 | $512,361 Land $120,000 Building $392,361 |
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 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 |
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