Seminole County property record for 656 Cayuga Dr, Winter Springs, FL 32708
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,536 sqft · built 1987 |
| Lot Size | 0.344 acres (15,006 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $720,000 (Jul 2023) |
| Tax Bill | $9,356 (2025) |
| Deeds & Mortgages | Jul 2023 Sale & Mortgage Mar 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-21-31-5HS-0000-0950 |
| Primary APN | 08-21-31-5HS-0000-0950 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,536 sqft Living Area |
| 1st Floor Area | 2,537 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 | 15,006 sqft |
| Garage Area | 585 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 1 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 565 sqft |
| Patio Area | 818 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 656 CAYUGA DR |
|---|---|
| City | WINTER SPRINGS |
| State | FL |
| Zip | 32708-5603 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 95 TUSCAWILLA UNIT 14A PB 32 PGS 21 TO 24 |
| Legal Range | 31E |
| Legal Township | 21S |
| Legal Section | 08 |
| Legal Subdivision | TUSCAWILLA |
| Legal Lot Number | 95 |
| Legal Unit | 14 |
| Jurisdiction | SEMINOLE FL |
| Township / Civil Division | OVIEDO |
| Census Block Group | 3 |
| Census Block | 3014 |
| 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 | 656 CAYUGA DR, WINTER SPGS, FL 32708-5603 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 13, 2023 | Warranty Deed, Transfer · VA Mortgage CERTIFIED MORTGAGE PLANNERS |
| Mar 16, 2022 | Warranty Deed, Transfer · Conventional Mortgage ANGEL OAK MORTGAGE SOLUTIONS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 13, 2023 · Amount on Record |
| Deed Sale | Jul 13, 2023 · Amount on Record |
| Prior Sale | Mar 16, 2022 · Amount on Record |
| Deed Document Number | 2023064390 |
| Deed Book / Page | 10472 / 1447 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Jul 13, 2023 |
| Property Address | 656 CAYUGA DR, WINTER SPRINGS, FL 32708-5603 |
| Document Number | 0104721447 |
| Book / Page | 10472 / 1447 |
| Map Reference | MB 32 PG 21-24 |
| Instrument Date | Jul 3, 2023 |
| Instrument | 2023064390 |
| Transaction Type | Transfer |
| Record Updated | Jul 26, 2023 |
| Title Company | SAINT LAWRENCE TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,040.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 22321 WILL MURPHY RD, UMATILLA, FL 32784-9280 |
| Name | Verified Name |
|---|
| Document Number | 0104721449 |
|---|---|
| Date | Jul 13, 2023 |
| Instrument | 10472/1449 |
| Name | CERTIFIED MORTGAGE PLANNERS |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Mar 16, 2022 |
| Property Address | 656 CAYUGA DR, WINTER SPRINGS, FL 32708-5603 |
| Document Number | 0101940658 |
| Book / Page | 10194 / 658 |
| Map Reference | MB 32 PG 21-24 |
| Instrument Date | Mar 1, 2022 |
| Instrument | 2022032049 |
| Transaction Type | Transfer |
| Record Updated | Mar 28, 2022 |
| Title Company | NOT AVAILABLE, INNOVATION TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,032.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2100 HESTIA #202202, 2100, OVIEDO, FL 32765 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 656 CAYUGA DR, WINTER SPRINGS, FL 32708-5603 |
| Document Number | 0010194660 |
|---|---|
| Date | Mar 16, 2022 |
| Instrument | 10194/660 |
| Name | ANGEL OAK MORTGAGE SOLUTIONS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2052 |
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 | $9,356.00 (+35.5%) Homeowner's exemption | $615,764 (+30.1%) | $622,324 (+14.34%) Land $150,000 Building $472,324 |
| 2023 | $6,905.00 (+79.58%) Homeowner's exemption | $473,312 (+71.38%) | $544,265 (+8.35%) Land $140,000 Building $404,265 |
| 2022 | $3,845.00 Homeowner's exemption | $276,180 | $502,341 Land $120,000 Building $382,341 |
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 |
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