Seminole County property record for 655 Cayuga Dr, Winter Springs, FL 32708
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,460 sqft · built 1986 |
| Lot Size | 0.321 acres (14,006 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $420,000 (Sep 2018) |
| Tax Bill | $6,061 (2025) |
| Deeds & Mortgages | Jun 2020 Mortgage Sep 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-21-31-5HS-0000-0880 |
| Primary APN | 08-21-31-5HS-0000-0880 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,460 sqft Living Area |
| 1st Floor Area | 2,460 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 14,006 sqft |
| Garage Area | 552 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 1 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 417 sqft |
| Patio Area | 676 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 655 CAYUGA DR |
|---|---|
| City | WINTER SPRINGS |
| State | FL |
| Zip | 32708-5604 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 88 TUSCAWILLA UNIT 14A PB 32 PGS 21 TO 24 |
| Legal Range | 31E |
| Legal Township | 21S |
| Legal Section | 08 |
| Legal Subdivision | TUSCAWILLA |
| Legal Lot Number | 88 |
| 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 | 655 CAYUGA DR, WINTER SPGS, FL 32708-5604 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GOLD STAR MORTGAGE FINANCIAL GROUP CORP |
| Sep 13, 2018 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 13, 2018 · Amount on Record |
| Deed Sale | Sep 13, 2018 · Amount on Record |
| Deed Document Number | 2018104745 |
| Deed Book / Page | 09209 / 1367 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 655 CAYUGA DR, WINTER SPRINGS, FL 32708-5604 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0096360478 |
|---|---|
| Date | Jun 29, 2020 |
| Book Page | 9636/478 |
| Instrument | 2020067730 |
| Name | GOLD STAR MORTGAGE FINANCIAL GROUP CORP |
|---|---|
| Type | Mortgage Company |
| Address | ANN ARBOR, MI 48108 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Sep 13, 2018 |
| Property Address | 655 CAYUGA DR, WINTER SPRINGS, FL 32708-5604 |
| Document Number | 0092091367 |
| Book / Page | 09209 / 1367 |
| Map Reference | MB32 PG21 |
| Instrument Date | Sep 4, 2018 |
| Instrument | 2018104745 |
| Transaction Type | Transfer |
| Record Updated | Dec 22, 2021 |
| Title Company | HERITAGE TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,940.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 655 CAYUGA DR, WINTER SPRINGS, FL 32708-5604 |
| Document Number | 2018104746 |
|---|---|
| Date | Sep 13, 2018 |
| Instrument | 2018104746 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2048 |
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 | $6,061.00 (+10.56%) Homeowner's exemption | $405,060 (+5.99%) | $625,673 (+15.04%) Land $150,000 Building $475,673 |
| 2023 | $5,482.00 (+2.76%) Homeowner's exemption | $382,179 (+3%) | $543,897 (+8.41%) Land $140,000 Building $403,897 |
| 2022 | $5,335.00 Homeowner's exemption | $371,048 | $501,693 Land $120,000 Building $381,693 |
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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