2782 Joseph Cir, Oviedo, FL 32765 Property Records

Seminole County property record for 2782 Joseph Cir, Oviedo, FL 32765

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,907 sqft · built 1997
Lot Size	0.121 acres (5,250 sqft)
Owner	Individual Name on Record
Last Sale	$415,000 (Sep 2026)
Tax Bill	$3,360 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-21-31-515-0000-0520`

Property Details

APN / Parcel Number

Primary APN	`27-21-31-515-0000-0520`
Alternative APN	`21312751500000520`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,907 sqft Living Area
Gross Area	2,345 sqft
1st Floor Area	1,907 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Concrete Block/Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,250 sqft (0.121 acres)
Garage Type	Attached
Garage Area	438 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	51 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2782 JOSEPH CIR
City	OVIEDO
State	FL
Zip	32765-9227
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1BB
Legal Description	LOT 52 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	52
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	3
Census Block	3004
Census Tract	21317

Owner

Source: Seminole County records, as of October 13, 2026

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
Owner Type	Individual
Vesting	Married Woman, Separate Property

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 16, 2026 · Amount on Record
Deed Sale	Sep 16, 2026 · Amount on Record
Prior Sale	Sep 12, 1997 · Amount on Record
Deed Document Number	202692238
Deed Book / Page	11112 / 1740
Prior Transfer Date	Jun 12, 2025
Prior Transfer Doc	0108430050
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Sep 16, 2026
Property Address	2782 JOSEPH CIR, OVIEDO, FL 32765-9227
Document Number	0000092238
Book / Page	11112 / 1740
Instrument Date	Sep 10, 2026
Instrument	202692238
Transaction Type	Transfer
Record Updated	Sep 29, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$293,405.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

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

Mortgage

Document Number	0000092239,
Date	Sep 16, 2026
Instrument	202692239

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Seminole County assessment roll, as of December 29, 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	$3,360.00 (+9.8%)	$256,177 (+5.99%)	$360,625 (+4.48%) Land $88,000 Building $272,625
2023	$3,060.00 (+2.62%) Homeowner's exemption	$241,706 (+3%)	$345,155 (+5.66%) Land $88,000 Building $257,155
2022	$2,982.00 Homeowner's exemption	$234,666	$326,661 Land $88,000 Building $238,661

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 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