1014 Ward Cir, Oviedo, FL 32765 Property Records

Seminole County property record for 1014 Ward Cir, Oviedo, FL 32765

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,684 sqft · built 1985
Lot Size	0.242 acres (10,564 sqft)
Owner	Individual Name on File
Last Sale	$435,000 (Oct 2022)
Tax Bill	$5,748 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Dec 2018 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`22-21-31-5HM-0000-0080`

Property Details

APN / Parcel Number

Primary APN	`22-21-31-5HM-0000-0080`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,684 sqft Living Area
1st Floor Area	1,408 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1995
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,564 sqft
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Porch
Porch Area	28 sqft
Patio Area	768 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Solar

Location & Zoning

Street Address	1014 WARD CIR
City	OVIEDO
State	FL
Zip	32765-7004
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 ALAFAYA WOODS PH 1 UNIT A PB 31 PGS 80 TO 85
Legal Range	31E
Legal Township	21S
Legal Section	22
Legal Subdivision	ALAFAYA WOODS
Legal Lot Number	8
Legal Unit	A
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	3
Census Block	3006
Census Tract	21320

Owner

1014 Ward Cir is owned and occupied by an individual who bought it in October 2022.

Source: Seminole County records, as of January 5, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1014 WARD CIR, OVIEDO, FL 32765-7004
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 6, 2018	Warranty Deed, Transfer · Conventional Mortgage FAIRWINDS CU
May 31, 2018	Loan Modification, Mortgage BRANCH BK&TR
Dec 21, 2017	Loan Modification, Mortgage · Conventional Mortgage LAKEVIEW LN SERVICING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2022 · Amount on File
Deed Sale	Oct 17, 2022 · Amount on File
Prior Sale	Dec 6, 2018 · Amount on File
Deed Document Number	2022115277
Deed Book / Page	10331 / 1980
Record Updated	Jun 8, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Oct 17, 2022
Property Address	1014 WARD CIR, OVIEDO, FL 32765-7004
Document Number	0103311980
Book / Page	10331 / 1980
Map Reference	MB 31 PG 80-85
Instrument Date	Oct 14, 2022
Instrument	2022115277
Transaction Type	Transfer
Record Updated	Oct 27, 2022
Title Company	RED DOOR TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,045.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	204 HERRELL RD, 204, WINTER SPRINGS, FL 32708-3636

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1809 E BROADWAY ST, OVIEDO, FL 32765-8597

Mortgage

Document Number	0103311982
Date	Oct 17, 2022
Instrument	10331/1982

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Dec 6, 2018
Property Address	1014 WARD CIR, OVIEDO, FL 32765-7004
Document Number	0092601287
Book / Page	009260 / 001287
Instrument Date	Nov 26, 2018
Instrument	137247
Transaction Type	Transfer
Record Updated	Dec 21, 2018
Title Company	WATSON TITLE SERVICES INC, WATSON TITLE SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,925.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1014 WARD CIR OVIEDO FL 327657004, OVIEDO, FL 32765-7004

Mortgage

Document Number	92601289
Date	Dec 6, 2018
Book Page	009260/001289
Instrument	137248

Lender

Name	FAIRWINDS CU
Address	ORLANDO, FL 32826

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 5, 2033

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SEMINOLE FL
Property Address	1014 WARD CIR, OVIEDO, FL 32765-7004
Document Number	0091530611
Instrument Date	May 31, 2018
Transaction Type	Mortgage
Record Updated	Jul 11, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1014 WARD CIR OVIEDO FL 327657004, OVIEDO, FL 32765-7004

Mortgage

Document Number	0091530611
Date	Jun 15, 2018
Book Page	009153/000611
Instrument	68218

Lender

Name	BRANCH BK&TR
Type	Bank

Agreement

Amount	Amount on Record

December 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SEMINOLE FL
Property Address	1014 WARD CIR, OVIEDO, FL 32765-7004
Document Number	0090640435
Book / Page	009064 / 000435
Instrument Date	Dec 21, 2017
Transaction Type	Mortgage
Record Updated	Feb 9, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1014 WARD CIR OVIEDO FL 327657004, OVIEDO, FL 32765-7004

Mortgage

Document Number	0090640435
Date	Jan 25, 2018
Book Page	009064/000435
Instrument	9480

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 24, 2048

Interest

Rate Type	Fixed Rate
Rate	4%

Tax Assessment & Valuation

The 2025 property tax bill for 1014 Ward Cir was $5,748 with a homeowner's exemption.

Source: Seminole County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Seminole County
Municipality	Oviedo City
Unified School District	Seminole County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,748.00 Homeowner's exemption	$384,296	$384,296 Land $115,000 Building $269,296
2023	$5,793.00 (+80.52%)	$359,313 (+51.55%)	$359,313 (+8.44%) Land $104,000 Building $255,313
2022	$3,209.00	$237,094	$331,361 Land $85,000 Building $246,361

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1014 Ward Cir in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2017.

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 File median of 54 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	54 in force
Nearby Flood Claims	4 (2017–2022)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 3 claims

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.

Wildfire

Wildfire risk around 1014 Ward Cir is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF OVIEDO serves 47,933 people · EPA ID FL3590970
Water Source	Groundwater
Last State Inspection	Jul 2023
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 295 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

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