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2803 Rustic Oak Pl, Oviedo, FL 32766 Property Records

Seminole County property record for 2803 Rustic Oak Pl, Oviedo, FL 32766

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 3,146 sqft · built 2005
Lot Size0.423 acres (18,439 sqft)
OwnerIndividual Name on Record
Last Sale$330,000 (Apr 2009)
Tax Bill$5,421 (2025)
Deeds & MortgagesMar 2024 Second Mortgage
Dec 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN29-21-32-5RG-0000-4850

Property Details

APN / Parcel Number

Primary APN29-21-32-5RG-0000-4850

Interior

Bedrooms4 Beds
Full Baths3 Baths
Plumbing Fixtures11 Plumbing Fixtures
Stories1 Story
Building Area3,146 sqft Living Area
1st Floor Area3,146 sqft
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2005
Exterior MaterialStucco
Construction TypeConcrete Block
Foundation TypeFooting
Roof TypeCathedral/Clerestory
Roof MaterialComposition Shingle
Lot Area18,439 sqft
Garage Area604 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area1 sqft
PorchPorch
Porch Area659 sqft
Patio Area703 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Street Address2803 RUSTIC OAK PL
CityOVIEDO
StateFL
Zip32766-7052
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 485 LIVE OAK RESERVE UNIT THREE PB 65 PGS 1 - 14
Legal Range32E
Legal Township21S
Legal Section29
Legal SubdivisionLIVE OAK RESERVE
Legal Lot Number485
Legal UnitH
JurisdictionSEMINOLE FL
Township / Civil DivisionOVIEDO
Census Block Group1
Census Block1000
Census Tract21203

Owner

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

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 RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address2803 RUSTIC OAK PL, OVIEDO, FL 32766-7052
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 14, 2024Deed of Trust, Mortgage · Stand-Alone Second Mortgage
FAIRWINDS CU
Dec 2, 2020Deed of Trust, Mortgage · Conventional Mortgage
US BANK NA

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 21, 2009 · Amount on Record
Deed SaleApr 21, 2009 · Amount on Record
Prior SaleNov 8, 2005
Deed Document Number2009041906
Deed Book / Page07171 / 0055
Record UpdatedJun 8, 2026

March 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSEMINOLE FL
Property Address2803 RUSTIC OAK PL, OVIEDO, FL 32766-7052
Transaction TypeMortgage
Record UpdatedApr 11, 2024
Title CompanyMORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address2803 RUSTIC OAK PL, OVIEDO, FL 32766-7052

Mortgage

Document Number0105951791
DateMar 14, 2024
Book Page10595/1791
Instrument2024023012
Lender
NameFAIRWINDS CU
TypeCredit Union
AddressORLANDO, FL 32826
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded
Term120 Months
DueMar 13, 2034

December 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSEMINOLE FL
Property Address2803 RUSTIC OAK PL, OVIEDO, FL 32766-7052
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address2803 RUSTIC OAK PL, OVIEDO, FL 32766-7052

Mortgage

Document Number0097751101
DateDec 2, 2020
Book Page9775/1101
Instrument2020138114
Lender
NameUS BANK NA
TypeBank
AddressOWENSBORO, KY 42301
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueDec 1, 2035

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,421.00 (+14.08%) Homeowner's exemption$355,492 (+5.99%)$694,802 (+10.45%) Land $158,000 Building $536,802
2023$4,752.00 (+2.72%) Homeowner's exemption$335,411 (+3%)$629,054 (+8.08%) Land $139,000 Building $490,054
2022$4,626.00 Homeowner's exemption$325,642$582,013 Land $115,000 Building $467,013

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 X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 89 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies89 in force
Nearby Flood Claims24 (1994–2024)
Claims Outside the SFHA19 of 24
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Ian, Sep 2022 · 7 claims
  • Hurricane Ian, Sep 2022 · 6 claims
  • Hurricane Irma, Sep 2017 · 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 RiskHigh
above 76% of the US · above 64% of Florida
Wildfire Likelihood0.5% annual chance
ExposureNone
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 SystemCITY OF OVIEDO
serves 47,933 people · EPA ID FL3590970
Water SourceGroundwater
Last State InspectionJul 2023
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 91 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		1,000 / 1,000
Spectrum
Cable		1,000 / 35

May also be available: T-Mobile.

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