1077 Covington St, Oviedo, FL 32765 Property Records

Seminole County property record for 1077 Covington St, Oviedo, FL 32765

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,587 sqft · built 1988
Lot Size	0.209 acres (9,088 sqft)
Owner	Individual Name on File
Last Sale	$434,000 (Nov 2024)
Tax Bill	$6,335 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-21-31-503-0000-0020`

Property Details

APN / Parcel Number

Primary APN	`23-21-31-503-0000-0020`
Alternative APN	`21312350300000020`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,587 sqft Living Area
Gross Area	2,049 sqft
1st Floor Area	1,587 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2008
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,088 sqft (0.209 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	330 sqft
Patio Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1077 COVINGTON ST
City	OVIEDO
State	FL
Zip	32765-7034
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 2 ALAFAYA WOODS PH 4 PB 33 PGS 99 TO 102
Legal Range	31E
Legal Township	21S
Legal Section	23
Legal Subdivision	ALAFAYA WOODS PH 04
Legal Tract	503
Legal Lot Number	2
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	2
Census Block	2000
Census Tract	21321

Owner

1077 Covington St is owned and occupied by an individual who bought it in November 2024.

Source: Seminole County records, as of December 29, 2025

Owner of Record	Individual Name on File
Mailing Address	1077 COVINGTON ST, OVIEDO, FL 32765-7034
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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	Name on Deed
Last Sale	Nov 18, 2024 · Amount on File
Deed Sale	Nov 18, 2024 · Amount on File
Prior Sale	Jul 18, 2023 · Amount on File
Deed Document Number	2024103608
Deed Book / Page	10728 / 1106
Prior Transfer Date	Nov 1, 2001
Prior Transfer Doc	4322001179
Record Updated	Sep 20, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Jul 18, 2023
Property Address	1077 COVINGTON ST, OVIEDO, FL 32765-7034
Document Number	0104750234
Book / Page	10475 / 234
Map Reference	MB 33 PG 99-102
Instrument Date	Jul 13, 2023
Instrument	2023065773
Transaction Type	Transfer
Record Updated	Jul 28, 2023
Title Company	MAGNOLIA CLOSING COMPANY, MAGNOLIA CLOSING CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,031.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	N6019 HERITAGE DR, GREEN LAKE, WI 54941-9481

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1077 COVINGTON ST, OVIEDO, FL 32765-7034

Mortgage

Document Number	0010475236
Date	Jul 18, 2023
Instrument	10475/236

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 1077 Covington St was $6,335.

Source: Seminole County assessment roll, as of December 29, 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	$6,335.00	$372,954 Land $94,000 Building $278,954	$372,954 Land $94,000 Building $278,954
2023	$2,894.00 (+2.95%) Homeowner's exemption	$218,566 (+3%)	$312,164 (+0.21%) Land $94,000 Building $218,164
2022	$2,811.00 Homeowner's exemption	$212,200	$311,519 Land $81,000 Building $230,519

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.

Flood

FEMA maps place 1077 Covington St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2008.

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 14 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	14 in force
Nearby Flood Claims	3 (2008–2017)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Tropical Storm Fay, Aug 2008 · 2 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 1077 Covington St is low, with 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 80% of the US · lower than 93% of Florida
Wildfire Likelihood	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 584 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20