1145 Needlewood Loop, Oviedo, FL 32765 Property Records

Seminole County property record for 1145 Needlewood Loop, Oviedo, FL 32765

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,163 sqft · built 1990
Lot Size	0.226 acres (9,840 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Apr 2010)
Tax Bill	$6,533 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-21-31-509-0D00-1710`

Property Details

APN / Parcel Number

Primary APN	`18-21-31-509-0D00-1710`
Alternative APN	`2131185090D001710`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	2,163 sqft Living Area
Gross Area	2,647 sqft
1st Floor Area	2,163 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	9,840 sqft (0.226 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Open Porch
Porch Area	367 sqft
Patio Area	574 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Solar

Location & Zoning

Street Address	1145 NEEDLEWOOD LOOP
City	OVIEDO
State	FL
Zip	32765-6471
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	LOT 171 BLK D 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	D
Legal Lot Number	171
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	3
Census Block	3022
Census Tract	21307

Owner

1145 Needlewood Loop is owned by an individual who bought it in April 2010.

Source: Seminole County records, as of October 6, 2026

Owner of Record	Individual Name on File
Mailing Address	446 SONGBIRD WAY, APOPKA, FL 32712-3709
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
Mar 31, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Oct 7, 2019	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 21, 2010 · Amount on File
Deed Sale	Apr 21, 2010 · Amount on File
Prior Sale	Dec 17, 2009 · Amount on File
Deed Document Number	201045240
Deed Book / Page	7368 / 428
Prior Transfer Date	Jan 19, 2006
Prior Transfer Doc	0061191818
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	1145 NEEDLEWOOD LOOP, OVIEDO, FL 32765-6471
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1145 NEEDLEWOOD LOOP, OVIEDO, FL 32765-6471

Mortgage

Document Number	0098871750
Date	Mar 31, 2021
Book Page	9887/1750
Instrument	2021041512

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2041

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	1145 NEEDLEWOOD LOOP, OVIEDO, FL 32765-6471
Document Number	0094671569
Instrument Date	Oct 7, 2019
Transaction Type	Mortgage
Record Updated	Nov 14, 2019
Title Company	LEGACY TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41145 NEEDLEWOOD LOOP OVIEDO FL 32765, OVIEDO, FL 32765

Mortgage

Document Number	0094671569
Date	Oct 29, 2019
Book Page	009467/001569
Instrument	117781

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Oct 28, 2039

Tax Assessment & Valuation

The 2025 property tax bill for 1145 Needlewood Loop was $6,533.

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	$6,533.00	$447,283 Land $132,000 Building $315,283	$447,283 Land $132,000 Building $315,283
2023	$2,848.00 (+2.67%) Homeowner's exemption	$226,500 (+3%)	$418,438 (+8.5%) Land $125,000 Building $293,438
2022	$2,774.00 Homeowner's exemption	$219,903	$385,653 Land $95,000 Building $290,653

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

Flood

FEMA maps place 1145 Needlewood Loop in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1979.

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 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

The area around 1145 Needlewood Loop has no burnable land within ember reach, so its wildfire risk is not rated.

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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