2305 Willow Drop Way, Oviedo, FL 32766 Property Records

Seminole County property record for 2305 Willow Drop Way, Oviedo, FL 32766

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,788 sqft · built 2006
Lot Size	0.361 acres (15,726 sqft)
Owner	Individual Name on File
Last Sale	$575,250 (Jun 2021)
Tax Bill	$9,042 (2025)
Deeds & Mortgages	Mar 2024 Second Mortgage Jun 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`20-21-32-5SD-0000-7570`

Property Details

APN / Parcel Number

Primary APN	`20-21-32-5SD-0000-7570`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	2,788 sqft Living Area
1st Floor Area	2,788 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	15,726 sqft
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Pool Area	1 sqft
Porch	Porch
Porch Area	407 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2305 WILLOW DROP WAY
City	OVIEDO
State	FL
Zip	32766-7083
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 757 LIVE OAK RESERVE UNIT FOUR PB 69 PGS 80 - 91
Legal Range	32E
Legal Township	21S
Legal Section	20
Legal Subdivision	LIVE OAK RESERVE
Legal Lot Number	757
Legal Unit	FO
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	2
Census Block	2003
Census Tract	21203

Owner

2305 Willow Drop Way is owned and occupied by an individual who bought it in June 2021.

Source: Seminole County records, as of December 5, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2305 WILLOW DROP WAY, OVIEDO, FL 32766-7083
Occupancy	Owner Occupied
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 6, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Jun 30, 2021	Warranty Deed, Transfer · VA Mortgage CALIBER HOME LOANS INC
Jan 28, 2021	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Jul 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage ELEVEN MTG
Aug 17, 2017	Deed of Trust, Mortgage · Line of Credit REGIONS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2021 · Amount on File
Deed Sale	Jun 30, 2021 · Amount on File
Prior Sale	Nov 10, 2011 · Amount on File
Deed Document Number	2021087120
Deed Book / Page	9974 / 1974
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	2305 WILLOW DROP WAY, OVIEDO, FL 32766-7083
Transaction Type	Mortgage
Record Updated	Mar 18, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2305 WILLOW DROP WAY, OVIEDO, FL 32766-7083

Mortgage

Document Number	0105911092
Date	Mar 6, 2024
Book Page	10591/1092
Instrument	2024020303

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	CONSHOHOCKEN, PA 19428

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2044

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Jun 30, 2021
Property Address	2305 WILLOW DROP WAY, OVIEDO, FL 32766-7083
Document Number	0099741974
Book / Page	9974 / 1974
Map Reference	MB 69 PG 80-91
Instrument Date	Jun 11, 2021
Instrument	2021087120
Transaction Type	Transfer
Record Updated	Jul 13, 2021
Title Company	EQUITABLE TITLE/SEMINOLE COUNTY, EQUITABLE TTL OF SEMINOLE CN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,027.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3361 ROUSE RD STE 115, 3361, ORLANDO, FL 32817-2136

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2305 WILLOW DROP WAY, OVIEDO, FL 32766-7083

Mortgage

Document Number	99741977
Date	Jun 30, 2021
Instrument	9974/1977

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	2305 WILLOW DROP WAY, OVIEDO, FL 32766-7083
Transaction Type	Mortgage
Record Updated	Feb 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2305 WILLOW DROP WAY, OVIEDO, FL 32766-7083

Mortgage

Document Number	0098291895
Date	Jan 28, 2021
Book Page	9829/1895
Instrument	2021012631

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Feb 4, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	2305 WILLOW DROP WAY, OVIEDO, FL 32766-7083
Document Number	0096600030
Instrument Date	Jul 20, 2020
Transaction Type	Mortgage
Record Updated	Aug 17, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2305 WILLOW DROP WAY OVIEDO FL 327667083, OVIEDO, FL 32766-7083

Mortgage

Document Number	0096600030
Date	Jul 27, 2020
Book Page	009660/000030
Instrument	79630

Lender

Name	ELEVEN MTG
Address	PLANO, TX 75024

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 26, 2050

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	2305 WILLOW DROP WAY, OVIEDO, FL 32766-7083
Document Number	0089851208
Instrument Date	Aug 17, 2017
Transaction Type	Mortgage
Record Updated	Aug 25, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2305 WILLOW DROP WAY OVIEDO FL 327667083, OVIEDO, FL 32766-7083

Mortgage

Document Number	0089851208
Date	Sep 6, 2017
Book Page	008985/001208
Instrument	90765

Lender

Name	REGIONS BK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 5, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 2305 Willow Drop Way was $9,042 with a homeowner's exemption.

Source: Seminole County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,042.00 Homeowner's exemption	$565,250	$637,324 Land $150,000 Building $487,324
2023	$7,900.00 (+2.57%) Homeowner's exemption	$533,320 (+3%)	$602,089 (+8.03%) Land $139,000 Building $463,089
2022	$7,702.00 Homeowner's exemption	$517,786	$557,318 Land $115,000 Building $442,318

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

Flood

FEMA maps place 2305 Willow Drop Way in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 39 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	39 in force
Nearby Flood Claims	2 (2017–2022)
Claims Outside the SFHA	2 of 2
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

Wildfire risk around 2305 Willow Drop Way is moderate, ranking above 62% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 62% of the US · lower than 63% of Florida
Wildfire Likelihood	0.2% 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	CITY OF OVIEDO serves 47,933 people · EPA ID FL3590970
Water Source	Groundwater
Last State Inspection	Jul 2023
Lead	2 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	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 259 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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