220 Lemonleaf Ln, Oviedo, FL 32765 Property Records

Seminole County property record for 220 Lemonleaf Ln, Oviedo, FL 32765

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,286 sqft · built 2018
Lot Size	0.28 acres (12,188 sqft)
Owner	2 Individual Names on Record
Last Sale	$775,000 (Mar 2026)
Tax Bill	$6,623 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-21-31-513-0000-0920`

Property Details

APN / Parcel Number

Primary APN	`03-21-31-513-0000-0920`
Alternative APN	`21310351300000920`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Stories	1 Story
Building Area	3,286 sqft Living Area
Gross Area	3,895 sqft
1st Floor Area	3,286 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	12,188 sqft (0.28 acres)
Garage Type	Attached
Garage Area	609 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	350 sqft
Patio Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	220 LEMONLEAF LN
City	OVIEDO
State	FL
Zip	32765-8191
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 92 SOUTHERN OAKS PHASE THREE PB 81 PGS 72-74
Legal Subdivision	SOUTHERN OAKS PHASE THREE
Legal Lot Number	92
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	2
Census Block	2021
Census Tract	21313

Owner

Source: Seminole County records, as of March 26, 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	220 LEMONLEAF LN, OVIEDO, FL 32765-8191
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 13, 2026	Warranty Deed, Transfer · Conventional Mortgage SUNCOAST CU
Jun 23, 2020	Deed of Trust, Mortgage · Conventional with PMI MR COOPER
Mar 11, 2019	Grant Deed, Transfer · Conventional with PMI TAYLOR MORRISON HOME FUNDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 2026 · Amount on Record
Deed Sale	Mar 13, 2026 · Amount on Record
Prior Sale	Mar 11, 2019 · Amount on Record
Deed Document Number	202624906
Deed Book / Page	10999 / 329
Record Updated	Jun 8, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Mar 13, 2026
Property Address	220 LEMONLEAF LN, OVIEDO, FL 32765-8191
Document Number	0109990329
Book / Page	10999 / 329
Map Reference	MB 81 PG 72-74
Instrument Date	Mar 11, 2026
Instrument	2026024906
Transaction Type	Transfer
Record Updated	Mar 26, 2026
Title Company	THE CLOSING AGENT LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,425.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	981 PAPAYA LN, WINTER SPRINGS, FL 32708-5148

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 LEMONLEAF LN, OVIEDO, FL 32765-8191

Mortgage

Document Number	0010999332
Date	Mar 13, 2026
Instrument	10999/332

Lender

Name	SUNCOAST CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	Apr 1, 2029
Change Frequency	3 Years
Min Rate At Change	3.12%
Max Rate At Change	6.12%
Index	3-Year CMT
Max Rate	9.62%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	220 LEMONLEAF LN, OVIEDO, FL 32765-8191
Document Number	0096381661
Instrument Date	Jun 23, 2020
Transaction Type	Mortgage
Record Updated	Aug 13, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	220 LEMONLEAF LN OVIEDO FL 327658191, OVIEDO, FL 32765-8191

Mortgage

Document Number	0096381661
Date	Jul 1, 2020
Book Page	009638/001661
Instrument	68989

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 30, 2050

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SEMINOLE FL
Recording Date	Mar 11, 2019
Property Address	220 LEMONLEAF LN, OVIEDO, FL 32765-8191
Document Number	0093121280
Book / Page	009312 / 001280
Instrument Date	Mar 8, 2019
Instrument	25235
Transaction Type	Transfer
Record Updated	Mar 26, 2019
Title Company	INSPIRED TITLE SERVICES LLC, INSPIRED TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,570.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	220 LEMONLEAF LN OVIEDO FL 327658191, OVIEDO, FL 32765-8191

Mortgage

Document Number	93121282
Date	Mar 11, 2019
Book Page	009312/001282
Instrument	25236

Lender

Name	TAYLOR MORRISON HOME FUNDING
Type	Funding / Finance Company
Address	MAITLAND, FL 32751

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 10, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Seminole County
Municipality	Winter Springs City
Unified School District	Seminole County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,623.00 (+10.33%) Homeowner's exemption	$451,556 (+5.99%)	$666,865 (+27.41%) Land $130,000 Building $536,865
2023	$6,003.00 (+2.65%) Homeowner's exemption	$426,049 (+3%)	$523,413 (+0.81%) Land $115,000 Building $408,413
2022	$5,848.00 Homeowner's exemption	$413,640	$519,227 Land $115,000 Building $404,227

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 61 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	61 in force
Nearby Flood Claims	27 (1994–2024)
Claims Outside the SFHA	9 of 27
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Ian, Oct 2022 · 3 claims Hurricane Ian, Sep 2022 · 8 claims Hurricane Irma, Sep 2017 · 8 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
Adjoins Burnable Land	Yes

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	WINTER SPRINGS, CITY OF (3 WPS) serves 34,657 people · EPA ID FL3590879
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2017
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 60 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

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

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