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2808 Rustic Oak Pl, Oviedo, FL 32766 Property Records

Seminole County property record for 2808 Rustic Oak Pl, Oviedo, FL 32766

Property Summary

Property TypeSingle Family Home
Details5 bd · 4 ba · 3,740 sqft · built 2005
Lot Size0.336 acres (14,642 sqft)
Owner2 Owner Names on Record
Last Sale$455,800 (Aug 2005)
Tax Bill$6,683 (2025)
Deeds & MortgagesMay 2022 Line of Credit
Apr 2019 Mortgage
Flood ZoneZone X (minimal risk)
APN29-21-32-5RG-0000-4890

Property Details

APN / Parcel Number

Primary APN29-21-32-5RG-0000-4890

Interior

Bedrooms5 Beds
Full Baths4 Baths
Plumbing Fixtures14 Plumbing Fixtures
Stories2 Stories
Building Area3,740 sqft Living Area
1st Floor Area1,947 sqft
2nd Floor Area1,793 sqft
Upper Floors Area1,793 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2005
Exterior MaterialStucco
Construction TypeConcrete Block
Foundation TypeFooting
Roof TypeCathedral/Clerestory
Roof MaterialComposition Shingle
Lot Area14,642 sqft
Garage Area672 sqft
Parking Spaces2 Parking Spaces
Pool Area1 sqft
PorchPorch
Porch Area500 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Street Address2808 RUSTIC OAK PL
CityOVIEDO
StateFL
Zip32766-7049
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 489 LIVE OAK RESERVE UNIT THREE PB 65 PGS 1 - 14
Legal Range32E
Legal Township21S
Legal Section29
Legal SubdivisionLIVE OAK RESERVE
Legal Lot Number489
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 shown locked on this page are available instantly with a free trial.

Owner of Record2 Owner Names on Record
Mailing Address2808 RUSTIC OAK PL, OVIEDO, FL 32766-7049
OccupancyOwner Occupied

Deeds, Mortgages & Sale History

DateDocument
May 11, 2022Deed of Trust, Mortgage · Line of Credit
FAIRWINDS CU
Apr 24, 2019Deed of Trust, Mortgage · Conventional with PMI
FAIRWINDS CU

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 19, 2005 · Amount on Record
Deed SaleAug 19, 2005 · Amount on Record
Deed Document Number2005142308
Deed Book / Page05866 / 0993
Record UpdatedJun 8, 2026

May 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSEMINOLE FL
Property Address2808 RUSTIC OAK PL, OVIEDO, FL 32766-7049
Transaction TypeMortgage
Record UpdatedMay 20, 2022
Title CompanyMORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address2808 RUSTIC OAK PL, OVIEDO, FL 32766-7049

Mortgage

Document Number0102370353
DateMay 11, 2022
Book Page10237/353
Instrument2022056559
Lender
NameFAIRWINDS CU
TypeCredit Union
AddressORLANDO, FL 32826
Agreement
TypeLine of Credit
AmountAmount Recorded
Term240 Months
DueMay 10, 2042
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

April 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSEMINOLE FL
Property Address2808 RUSTIC OAK PL, OVIEDO, FL 32766-7049
Document Number0093431909
Instrument DateApr 24, 2019
Transaction TypeMortgage
Record UpdatedMay 14, 2019
Title CompanyMORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SVCS INC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address2808 RUSTIC OAK PL OVIEDO FL 327667049, OVIEDO, FL 32766-7049

Mortgage

Document Number0093431909
DateApr 30, 2019
Book Page009343/001909
Instrument45043
Lender
NameFAIRWINDS CU
AddressORLANDO, FL 32826
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueApr 29, 2049

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$6,683.00 (+14.26%) Homeowner's exemption$428,573 (+5.99%)$780,285 (+10.26%) Land $158,000 Building $622,285
2023$5,849.00 (+2.65%) Homeowner's exemption$404,364 (+3%)$707,667 (+7.65%) Land $139,000 Building $568,667
2022$5,698.00 Homeowner's exemption$392,586$657,398 Land $115,000 Building $542,398

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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