2776 Joseph Cir, Oviedo, FL 32765 Property Records

Seminole County property record for 2776 Joseph Cir, Oviedo, FL 32765

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,930 sqft · built 1998
Lot Size	0.12 acres (5,250 sqft)
Owner	Individual Name on Record
Last Sale	$465,000 (Oct 2025)
Tax Bill	$1,942 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-21-31-515-0000-0510`

Property Details

APN / Parcel Number

Primary APN	`27-21-31-515-0000-0510`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,930 sqft Living Area
1st Floor Area	1,930 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,250 sqft
Garage Area	436 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	17 sqft
Patio Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2776 JOSEPH CIR
City	OVIEDO
State	FL
Zip	32765-9227
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 51 VILLAGE OF REMINGTON PB 49 PGS 73 & 74
Legal Range	31E
Legal Township	21S
Legal Section	27
Legal Subdivision	VILLAGE OF REMINGTON
Legal Tract	515
Legal Lot Number	51
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	3
Census Block	3004
Census Tract	21317

Owner

Source: Seminole County records, as of December 5, 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 Record
Mailing Address	2776 JOSEPH CIR, OVIEDO, FL 32765-9227
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 30, 2025 · Amount on Record
Deed Sale	Oct 30, 2025 · Amount on Record
Prior Sale	Jun 10, 1998 · Amount on Record
Deed Document Number	2025107911
Deed Book / Page	10924 / 1636
Record Updated	Jun 8, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Oct 30, 2025
Property Address	2776 JOSEPH CIR, OVIEDO, FL 32765-9227
Document Number	0109241636
Book / Page	10924 / 1636
Map Reference	MB 49 PG 73&74
Instrument Date	Oct 23, 2025
Instrument	2025107911
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,255.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	192 SILVER PINE DR, SAINT AUGUSTINE, FL 32092-3196

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2776 JOSEPH CIR, OVIEDO, FL 32765-9227

Mortgage

Document Number	0109241639
Date	Oct 30, 2025
Instrument	10924/1639

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2040

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
2025	$1,942.00 (-8.7%) Homeowner's exemption	$177,681 (+2.9%)	$366,489 (+1.79%) Land $88,000 Building $278,489
2024	$2,127.00 (+2.51%) Homeowner's exemption	$172,673 (+3%)	$360,050 (+2.63%) Land $88,000 Building $272,050
2023	$2,075.00 (+2.82%) Homeowner's exemption	$167,644 (+3%)	$350,816 (+5.67%) Land $88,000 Building $262,816
2022	$2,018.00 Homeowner's exemption	$162,761	$331,978 Land $88,000 Building $243,978

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 62 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	62 in force
Nearby Flood Claims	12 (2001–2024)
Claims Outside the SFHA	12 of 12
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Ian, Sep 2022 · 4 claims Hurricane Frances, Sep 2004 · 3 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	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 172 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20