Seminole County property record for 655 Saranac Dr, Winter Springs, FL 32708
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 3,096 sqft · built 1988 |
| Lot Size | 0.36 acres (15,700 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $485,000 (Jun 2019) |
| Tax Bill | $10,870 (2025) |
| Deeds & Mortgages | Oct 2026 Line of Credit Jun 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-21-31-5HS-0000-0450 |
| Primary APN | 08-21-31-5HS-0000-0450 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 3,096 sqft Living Area |
| Gross Area | 3,614 sqft |
| 1st Floor Area | 3,096 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Concrete Block/Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Footing |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 15,700 sqft (0.36 acres) |
| Garage Type | Attached |
| Garage Area | 518 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 1 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 300 sqft |
| Patio Area | 676 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Solar |
| Street Address | 655 SARANAC DR |
|---|---|
| City | WINTER SPRINGS |
| State | FL |
| Zip | 32708-5605 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | LOT 45 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 | 45 |
| Jurisdiction | SEMINOLE FL |
| Township / Civil Division | OVIEDO |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 21313 |
Source: Seminole County records, as of October 21, 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 | 655 SARANAC DR, WINTER SPRINGS, FL 32708-5605 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 7, 2026 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Jun 26, 2019 | Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 26, 2019 · Amount on Record |
| Deed Sale | Jun 26, 2019 · Amount on Record |
| Prior Sale | Mar 13, 1998 · Amount on Record |
| Deed Document Number | 201967955 |
| Deed Book / Page | 9381 / 1897 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Oct 7, 2026 |
| Property Address | 655 SARANAC DR, WINTER SPRINGS, FL 32708-5605 |
| Document Number | 0000099242 |
| Book / Page | 11124 / 883 |
| Instrument Date | Sep 30, 2026 |
| Instrument | 202699242 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 655 SARANAC DR, WINTER SPRINGS, FL 32708-5605 |
| Document Number | 0000099242, |
|---|---|
| Date | Oct 7, 2026 |
| Book Page | 11124/883 |
| Instrument | 202699242 |
| Name | CITIZENS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Oct 4, 2051 |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Jun 26, 2019 |
| Property Address | 655 SARANAC DR, WINTER SPRINGS, FL 32708-5605 |
| Document Number | 0093811897 |
| Book / Page | 09381 / 1897 |
| Map Reference | MB 32 PG 21-24 |
| Instrument Date | Jun 25, 2019 |
| Instrument | 2019067955 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | LEADING EDGE TTL OF CTRL FL |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,395.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 315 N 11TH ST, 315, FLAGLER BEACH, FL 32136-3126 |
| Name | Verified Name |
|---|---|
| Address | 655 SARANAC DR, WINTER SPRINGS, FL 32708-5605 |
| Document Number | 0093811899 |
|---|---|
| Date | Jun 26, 2019 |
| Instrument | 09381/1899 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2049 |
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 | $10,870.00 (+22.89%) | $686,774 (+14.79%) Land $150,000 Building $536,774 | $686,774 (+14.79%) Land $150,000 Building $536,774 |
| 2023 | $8,845.00 (+11.2%) | $598,262 (+15.73%) | $598,262 (+8.21%) Land $140,000 Building $458,262 |
| 2022 | $7,954.00 | $516,939 | $552,876 Land $120,000 Building $432,876 |
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 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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