1104 Needlewood Loop, Oviedo, FL 32765 Property Records

Seminole County property record for 1104 Needlewood Loop, Oviedo, FL 32765

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,865 sqft · built 1993
Lot Size	0.254 acres (11,050 sqft)
Owner	2 Individual Names on Record
Last Sale	$625,000 (Sep 2026)
Tax Bill	$4,315 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Feb 2024 Transfer
Flood Zone	Zone X (minimal risk)
APN	`18-21-31-509-0E00-1810`

Property Details

APN / Parcel Number

Primary APN	`18-21-31-509-0E00-1810`
Alternative APN	`2131185090E001810`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	2,865 sqft Living Area
Gross Area	3,451 sqft
1st Floor Area	2,865 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	11,050 sqft (0.254 acres)
Garage Type	Attached
Garage Area	586 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Open Porch
Porch Area	409 sqft
Patio Area	995 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Solar

Location & Zoning

Street Address	1104 NEEDLEWOOD LOOP
City	OVIEDO
State	FL
Zip	32765-6470
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	LOT 181 BLK E TUSKA RIDGE UNIT 5 PB 43 PGS 74 & 75
Legal Range	31E
Legal Township	21S
Legal Section	18
Legal Subdivision	TUSKA RIDGE UNIT 5
Legal Tract	509
Legal Block	E
Legal Lot Number	181
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	3
Census Block	3017
Census Tract	21307

Owner

Source: Seminole County records, as of September 23, 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	1104 NEEDLEWOOD LOOP, OVIEDO, FL 32765-6470
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2026	Warranty Deed, Transfer · Conventional Mortgage FAIRWINDS CREDIT UNION
Feb 21, 2024	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2026 · Amount on Record
Deed Sale	Sep 14, 2026 · Amount on Record
Prior Sale	Mar 22, 2011 · Amount on Record
Deed Document Number	202690916
Deed Book / Page	11110 / 1259
Prior Transfer Date	Feb 19, 2024
Prior Transfer Doc	0105830588
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Sep 14, 2026
Property Address	1104 NEEDLEWOOD LOOP, OVIEDO, FL 32765-6470
Document Number	0000090916
Book / Page	11110 / 1259
Instrument Date	Sep 9, 2026
Instrument	202690916
Transaction Type	Transfer
Record Updated	Sep 23, 2026
Title Company	SUBURBAN TITLE AND ESCROW INC, NEW URBAN TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$441,875.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1104 NEEDLEWOOD LOOP, OVIEDO, FL 32765-6470

Mortgage

Document Number	0000090917,
Date	Sep 14, 2026
Instrument	202690917

Lender

Name	FAIRWINDS CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SEMINOLE FL
Recording Date	Feb 21, 2024
Property Address	1104 NEEDLEWOOD LOOP, OVIEDO, FL 32765-6470
Document Number	0105830588
Book / Page	10583 / 588
Map Reference	MB 43 PG 74&75
Instrument Date	Feb 19, 2024
Instrument	2024015773
Transaction Type	Transfer
Record Updated	Mar 4, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1104 NEEDLEWOOD LOOP, OVIEDO, FL 32765-6470

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	50 LYNNWOOD LN, CHARLOTTESVILLE, VA 22901-8968

Tax Assessment & Valuation

Source: Seminole County assessment roll, as of December 29, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,315.00 (+9.99%)	$330,979 (+5.99%)	$544,994 (+3.29%) Land $132,000 Building $412,994
2023	$3,923.00 (+0.82%) Homeowner's exemption	$312,283 (+3%)	$527,660 (+7.91%) Land $145,000 Building $382,660
2022	$3,891.00 Homeowner's exemption	$303,187	$488,979 Land $110,000 Building $378,979

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

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 45 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	45 in force
Nearby Flood Claims	10 (1979–2022)
Claims Outside the SFHA	10 of 10
Most Recent Claim	Sep 2022 · Hurricane Ian

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

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

Wildfire Risk	Not rated no burnable land within 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	SEMINOLE COUNTY SOUTHEAST serves 70,040 people · EPA ID FL3590571
Water Source	Groundwater
Last State Inspection	Apr 2024
Lead	1 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	None 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 258 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: WOW Internet, Cable & Phone.

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