Seminole County property record for 1978 Crystal Downs Ct, Oviedo, FL 32765
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,986 sqft · built 1994 |
| Lot Size | 0.259 acres (11,314 sqft) |
| Owner | Individual Name on File |
| Last Sale | $216,500 (Feb 2015) |
| Tax Bill | $3,239 (2025) |
| Deeds & Mortgages | Jun 2022 Line of Credit Jun 2021 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-21-31-5KQ-0000-0130 |
| Primary APN | 24-21-31-5KQ-0000-0130 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,986 sqft Living Area |
| 1st Floor Area | 1,986 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1994 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 11,314 sqft |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 1 sqft |
| Porch | Porch |
| Porch Area | 272 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 1978 CRYSTAL DOWNS CT |
|---|---|
| City | OVIEDO |
| State | FL |
| Zip | 32765-5836 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 13 TWIN RIVERS SEC 6 PB 40 PGS 69 TO 75 |
| Legal Range | 31E |
| Legal Township | 21S |
| Legal Section | 24 |
| Legal Subdivision | TWIN RIVERS SEC 6 |
| Legal Lot Number | 13 |
| Jurisdiction | SEMINOLE FL |
| Township / Civil Division | OVIEDO |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 21316 |
Source: Seminole County records · APN 24-21-31-5KQ-0000-0130
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 1978 CRYSTAL DOWNS CT, OVIEDO, FL 32765-5836 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 10, 2022 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Jun 22, 2021 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Mar 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Jun 14, 2019 | Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 25, 2015 · Amount on Record |
| Deed Sale | Feb 25, 2015 · Amount on Record |
| Prior Sale | Mar 31, 2005 |
| Deed Document Number | 2015020064 |
| Deed Book / Page | 08419 / 1023 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 1978 CRYSTAL DOWNS CT, OVIEDO, FL 32765-5836 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1978 CRYSTAL DOWNS CT, OVIEDO, FL 32765-5836 |
| Document Number | 0102570288 |
|---|---|
| Date | Jun 10, 2022 |
| Book Page | 10257/288 |
| Instrument | 2022068647 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 14, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 1978 CRYSTAL DOWNS CT, OVIEDO, FL 32765-5836 |
| Transaction Type | Mortgage |
| Record Updated | Jul 02, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1978 CRYSTAL DOWNS CT, OVIEDO, FL 32765-5836 |
| Document Number | 0099670324 |
|---|---|
| Date | Jun 22, 2021 |
| Book Page | 9967/324 |
| Instrument | 2021083083 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35211 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 26, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 1978 CRYSTAL DOWNS CT, OVIEDO, FL 32765-5836 |
| Transaction Type | Mortgage |
| Record Updated | Mar 29, 2021 |
| Title Company | PROMINENCE TITLE AND ESCROW LLC, PROMINENCE TITLE ESCROW LLC |
| Name | Verified Name |
|---|
| Document Number | 0098710049 |
|---|---|
| Date | Mar 12, 2021 |
| Book Page | 9871/49 |
| Instrument | 2021032901 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Apr 01, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 1978 CRYSTAL DOWNS CT, OVIEDO, FL 32765-5836 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0093731703 |
|---|---|
| Date | Jun 14, 2019 |
| Book Page | 09373/1703 |
| Instrument | 2019063173 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35211 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | May 29, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Seminole County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Seminole County |
| Municipality | Oviedo City |
| Unified School District | Seminole County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,239.00 (+13.45%) Homeowner's exemption | $229,110 (+5.99%) | $439,523 (+5.63%) Land $124,000 Building $315,523 |
| 2023 | $2,855.00 (+2.96%) Homeowner's exemption | $216,168 (+3%) | $416,116 (+12.35%) Land $115,000 Building $301,116 |
| 2022 | $2,773.00 Homeowner's exemption | $209,872 | $370,378 Land $115,000 Building $255,378 |
Source: FEMA National Flood Hazard Layer as of November 27, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 68 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 68 in force |
| Nearby Flood Claims | 22 (2004–2022) |
| Claims Outside the SFHA | 8 of 22 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
| Wildfire Risk | Moderate above 63% of the US · lower than 60% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 35 |
May also be available: T-Mobile USA.
Based on FCC filings for 153 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF OVIEDO serves 47,933 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2023 |
| Lead | 2 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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