1046 Shaffer Trl, Oviedo, FL 32765 Property Records

Seminole County property record for 1046 Shaffer Trl, Oviedo, FL 32765

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,559 sqft · built 1986
Lot Size	0.197 acres (8,618 sqft)
Owner	Individual Name on File
Last Sale	$305,800 (Sep 2020)
Tax Bill	$4,911 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-21-31-5HM-0000-0190`

Property Details

APN / Parcel Number

Primary APN	`22-21-31-5HM-0000-0190`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	1,559 sqft Living Area
1st Floor Area	892 sqft
2nd Floor Area	667 sqft
Upper Floors Area	667 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1996
Exterior Material	Siding
Construction Type	Wood Frame
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,618 sqft
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Porch
Porch Area	16 sqft
Patio Area	270 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1046 SHAFFER TRL
City	OVIEDO
State	FL
Zip	32765-7016
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 19 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	19
Legal Unit	A
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	3
Census Block	3006
Census Tract	21320

Owner

1046 Shaffer Trl is owned and occupied by an individual who bought it in September 2020.

Source: Seminole County records, as of December 5, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1046 SHAFFER TRL, OVIEDO, FL 32765-7016
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2020 · Amount on File
Deed Sale	Sep 24, 2020 · Amount on File
Prior Sale	Jul 31, 2015 · Amount on File
Deed Document Number	2020106925
Deed Book / Page	9713 / 892
Record Updated	Jun 8, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Sep 24, 2020
Property Address	1046 SHAFFER TRL, OVIEDO, FL 32765-7016
Document Number	0097130892
Book / Page	9713 / 892
Map Reference	MB 31 PG 80-85
Instrument Date	Sep 22, 2020
Instrument	2020106925
Transaction Type	Transfer
Record Updated	Dec 22, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,140.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1048 SHAFFER TRL, 1048, OVIEDO, FL 32765-7016

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1046 SHAFFER TRL, OVIEDO, FL 32765-7016

Mortgage

Document Number	0009713894
Date	Sep 24, 2020
Instrument	9713/894

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1046 Shaffer Trl was $4,911 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	$4,911.00 Homeowner's exemption	$325,943	$371,620 Land $115,000 Building $256,620
2023	$4,309.00 (+2.77%) Homeowner's exemption	$307,531 (+3%)	$347,421 (+8.36%) Land $104,000 Building $243,421
2022	$4,193.00 Homeowner's exemption	$298,574	$320,620 Land $85,000 Building $235,620

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

Flood

FEMA maps place 1046 Shaffer Trl 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 1046 Shaffer Trl 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