Seminole County property record for 2896 Joseph Cir, Oviedo, FL 32765
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,819 sqft · built 1995 |
| Lot Size | 0.121 acres (5,250 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $310,000 (Mar 2021) |
| Tax Bill | $4,149 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Mar 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-21-31-515-0000-0600 |
| Primary APN | 27-21-31-515-0000-0600 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,819 sqft Living Area |
| Gross Area | 2,257 sqft |
| 1st Floor Area | 1,651 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Concrete Block |
| 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 | Florida Room |
| Porch Area | 221 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 2896 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 60 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 | 60 |
| Jurisdiction | SEMINOLE FL |
| Township / Civil Division | OVIEDO |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 21317 |
Source: Seminole County records, as of May 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2896 JOSEPH CIR, OVIEDO, FL 32765-9227 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 24, 2025 | Deed of Trust, Mortgage · Closed-End Mortgage REGIONS BANK |
| Mar 3, 2021 | Warranty Deed, Transfer · Conventional Mortgage SUMMIT MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 3, 2021 · Amount on Record |
| Deed Sale | Mar 3, 2021 · Amount on Record |
| Prior Sale | Aug 12, 2014 · Amount on Record |
| Deed Document Number | 202128429 |
| Deed Book / Page | 9861 / 1613 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 2896 JOSEPH CIR, OVIEDO, FL 32765-9227 |
| Transaction Type | Mortgage |
| Record Updated | Dec 10, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2896 JOSEPH CIR, OVIEDO, FL 32765-9227 |
| Document Number | 0109401895 |
|---|---|
| Date | Nov 24, 2025 |
| Book Page | 10940/1895 |
| Instrument | 2025117700 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Dec 1, 2045 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Mar 3, 2021 |
| Property Address | 2896 JOSEPH CIR, OVIEDO, FL 32765-9227 |
| Document Number | 0098611613 |
| Book / Page | 9861 / 1613 |
| Map Reference | MB 49 PG 73&74 |
| Instrument Date | Feb 26, 2021 |
| Instrument | 2021028429 |
| Transaction Type | Transfer |
| Record Updated | Dec 22, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,170.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 407 AMERICAN HOLLY AVE, 407, DEBARY, FL 32713-4859 |
| Name | Verified Name |
|---|---|
| Address | 2896 JOSEPH CIR, OVIEDO, FL 32765-9227 |
| Document Number | 0098611615 |
|---|---|
| Date | Mar 3, 2021 |
| Instrument | 9861/1615 |
| Name | SUMMIT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2051 |
Source: Seminole County assessment roll, as of December 29, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Seminole County |
| Unified School District | Seminole County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,149.00 (+9.65%) Homeowner's exemption | $313,854 (+5.99%) | $334,969 (+4.33%) Land $88,000 Building $246,969 |
| 2023 | $3,784.00 (+2.55%) Homeowner's exemption | $296,125 (+3%) | $321,065 (+5.51%) Land $88,000 Building $233,065 |
| 2022 | $3,690.00 Homeowner's exemption | $287,500 | $304,303 Land $88,000 Building $216,303 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 212 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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