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2790 Stone St, Oviedo, FL 32765 Property Records

Seminole County property record for 2790 Stone St, Oviedo, FL 32765

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 4,049 sqft · built 2023
Lot Size9.66 acres (420,790 sqft)
Owner2 Individual Names on Record
Last Sale$75,000 (Jul 2017)
Tax Bill$11,867 (2025)
Deeds & MortgagesSep 2021 Construction Loan
Jul 2017 Sale
Flood ZoneZone AE (high risk)
APN25-20-31-5BA-0000-3110

Property Details

APN / Parcel Number

Primary APN25-20-31-5BA-0000-3110
Alternative APN
  • 2031255BA00003110

Interior

Bedrooms4 Beds
Full Baths3 Baths
Plumbing Fixtures10 Plumbing Fixtures
Stories1 Story
Building Area4,049 sqft Living Area
Gross Area4,776 sqft
1st Floor Area3,039 sqft

Exterior

Year BuiltBuilt 2023
Effective Year BuiltEffective 2023
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area420,790 sqft (9.66 acres)
Garage TypeAttached
Garage Area727 sqft
Parking Spaces3 Parking Spaces
Pool TypePool Type
Pool Area1 sqft
PorchSlab

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Street Address2790 STONE ST
CityOVIEDO
StateFL
Zip32765-7734
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeA10
Legal DescriptionLOT 311 BLACK HAMMOCK PB 2 PG 110
Legal Range31E
Legal Township20S
Legal Section25
Legal SubdivisionBLACK HAMMOCK
Legal Tract5BA
Legal Lot Number311
JurisdictionSEMINOLE FL
Township / Civil DivisionOVIEDO
Census Block Group2
Census Block2002
Census Tract21313

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on Record
Mailing Address2790 STONE ST, OVIEDO, FL 32765-7734
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 3, 2021Deed of Trust, Mortgage · Construction Mortgage
SYNOVUS BANK
Jul 3, 2017Warranty Deed, Transfer
CENTRAL FLORIDA TITLE COMPANY, CENTRAL FL TITLE CENTER

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 3, 2017 · Amount on Record
Deed SaleJul 3, 2017 · Amount on Record
Prior SaleJun 10, 2004
Deed Document Number201766999
Record UpdatedOct 29, 2026

September 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSEMINOLE FL
Property Address2790 STONE ST, OVIEDO, FL 32765-7734
Transaction TypeMortgage
Record UpdatedMay 25, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address425 TRADITION LN, WINTER SPRINGS, FL 32708-6351

Mortgage

Document Number0100351010
DateSep 3, 2021
Book Page10035/1010
Instrument2021118112
Lender
NameSYNOVUS BANK
TypeBank
AddressBIRMINGHAM, AL 35209
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term372 Months
DueSep 1, 2052

July 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSEMINOLE FL
Recording DateJul 3, 2017
Property Address2790 STONE ST, OVIEDO, FL 32765-7734
Document Number0089450117
Book / Page008945 / 000117
Instrument DateJun 28, 2017
Instrument66999
Transaction TypeTransfer
Record UpdatedAug 22, 2017
Title CompanyCENTRAL FLORIDA TITLE COMPANY, CENTRAL FL TITLE CENTER

Transaction

AmountAmount Recorded
Tax$525.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address943 BIGHORN ST OVIEDO FL 327655951, OVIEDO, FL 32765-5951

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountySeminole County
Unified School DistrictSeminole County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$11,867.00 (+390.78%) Homeowner's exemption$886,117 (+282.21%)$905,164 (+290.43%) Land $289,800 Building $615,364
2023$2,418.00 (+25.74%)$231,840 (+11.63%)$231,840 (+11.63%) Land $231,840
2022$1,923.00$207,690 Land $207,690$207,690 Land $207,690

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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation9.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 61 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies61 in force
Nearby Flood Claims27 (1994–2024)
Claims Outside the SFHA9 of 27
Most Recent ClaimOct 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 RiskHigh
above 82% of the US · above 72% of Florida
Wildfire Likelihood0.7% annual chance
ExposureDirect
burnable vegetation

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 SystemBLACK HAMMOCK -MSBU(CONSEC)
serves 781 people · EPA ID FL3594186
Water SourcePurchased groundwater from CITY OF OVIEDO
Last State InspectionJan 2025
Lead2 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 12 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Fiber		1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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