2099 Westbourne Dr, Oviedo, FL 32765 Property Records

Seminole County property record for 2099 Westbourne Dr, Oviedo, FL 32765

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,883 sqft · built 1996
Lot Size	0.232 acres (10,149 sqft)
Owner	2 Individual Names on Record
Last Sale	$377,500 (Oct 2015)
Tax Bill	$435 (2024)
Deeds & Mortgages	Apr 2024 Second Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`36-21-31-5MB-0000-1380`

Property Details

APN / Parcel Number

Primary APN	`36-21-31-5MB-0000-1380`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	2 Stories
Building Area	3,883 sqft Living Area
1st Floor Area	1,780 sqft
2nd Floor Area	2,103 sqft
Upper Floors Area	2,103 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	10,149 sqft
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Porch
Porch Area	43 sqft
Patio Area	604 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Solar

Location & Zoning

Street Address	2099 WESTBOURNE DR
City	OVIEDO
State	FL
Zip	32765-5158
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 138 TRACT 105 PH 3 AT CARILLON PB 47 PGS 42 THRU 45
Legal Range	31E
Legal Township	21S
Legal Section	36
Legal Subdivision	TRACT 105
Legal Tract	105
Legal Lot Number	138
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	2
Census Block	2004
Census Tract	21316

Owner

Source: Seminole County records, as of January 5, 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
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Mar 10, 2021	Deed of Trust, Mortgage · VA Mortgage BNC NATIONAL BANK
Oct 9, 2019	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2015 · Amount on Record
Deed Sale	Oct 30, 2015 · Amount on Record
Prior Sale	Sep 10, 2002 · Amount on Record
Deed Document Number	2015120228
Deed Book / Page	08574 / 1421
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	2099 WESTBOURNE DR, OVIEDO, FL 32765-5158
Transaction Type	Mortgage
Record Updated	Apr 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2099 WESTBOURNE DR, OVIEDO, FL 32765-5158

Mortgage

Document Number	0106111291
Date	Apr 12, 2024
Book Page	10611/1291
Instrument	2024032628

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2044

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	2099 WESTBOURNE DR, OVIEDO, FL 32765-5158
Transaction Type	Mortgage
Record Updated	Mar 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2099 WESTBOURNE DR, OVIEDO, FL 32765-5158

Mortgage

Document Number	0098681089
Date	Mar 10, 2021
Book Page	9868/1089
Instrument	2021031506

Lender

Name	BNC NATIONAL BANK
Type	Bank
Address	GLENDALE, AZ 85308

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	2099 WESTBOURNE DR, OVIEDO, FL 32765-5158
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ISLAND T&E AGCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0094530346
Date	Oct 9, 2019
Book Page	09453/0346
Instrument	2019109472

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

Source: Seminole County assessment roll, as of July 1, 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
2024	$435.00
2023	$435.00 (+1.16%) Homeowner's exemption	$363,261 (+3%)	$640,848 (+14.77%) Land $115,000 Building $525,848
2022	$430.00 Homeowner's exemption	$352,681	$558,368 Land $100,000 Building $458,368

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

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 38 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	56 units insured incl. 18 condo units
Nearby Flood Claims	3 (2011–2022)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 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

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

Wildfire Risk	High above 70% of the US · above 52% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect 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 178 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications, T-Mobile.

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