2965 Lowery Dr, Oviedo, FL 32765 Property Records

Seminole County property record for 2965 Lowery Dr, Oviedo, FL 32765

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,077 sqft · built 1973
Lot Size	0.461 acres (20,100 sqft)
Owner	2 Individual Names on File
Last Sale	$159,500 (Nov 2012)
Tax Bill	$3,644 (2025)
Deeds & Mortgages	Apr 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-21-31-5CC-0C00-0050`

Property Details

APN / Parcel Number

Primary APN	`27-21-31-5CC-0C00-0050`
Alternative APN	`2131275CC0C000050`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	2,077 sqft Living Area
1st Floor Area	2,077 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	20,100 sqft (0.461 acres)
Lot Dimensions	134 ft deep x 150 ft wide
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	139 sqft
Patio Area	1 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2965 LOWERY DR
City	OVIEDO
State	FL
Zip	32765-9071
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1AA
Legal Description	LOTS 5 & 6 BLK C SEMINOLE TERRACE REPLAT PB 11 PG 29
Legal Range	31E
Legal Township	21S
Legal Section	27
Legal Subdivision	SEMINOLE TERRACE REPLAT
Legal Tract	5CC
Legal Block	C
Legal Lot Number	5,6
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	2
Census Block	2005
Census Tract	21320

Owner

2965 Lowery Dr is owned and occupied by two individuals who bought it in November 2012.

Source: Seminole County records, as of December 29, 2025

Owner of Record	2 Individual Names on File
Mailing Address	2965 LOWERY DR, OVIEDO, FL 32765-9071
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 2, 2012 · Amount on File
Deed Sale	Nov 2, 2012 · Amount on File
Prior Sale	Sep 1, 2012 · Amount on File
Deed Document Number	2012132258
Deed Book / Page	7890 / 1978
Prior Transfer Date	Nov 1, 2006
Prior Transfer Doc	0065160374
Record Updated	Sep 20, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	2965 LOWERY DR, OVIEDO, FL 32765-9071
Document Number	0093411986
Instrument Date	Apr 18, 2019
Transaction Type	Mortgage
Record Updated	May 10, 2019
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2965 LOWERY DR OVIEDO FL 327659071, OVIEDO, FL 32765-9071

Mortgage

Document Number	0093411986
Date	Apr 26, 2019
Book Page	009341/001986
Instrument	43803

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	480 Months
Due	Apr 25, 2059

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 2965 Lowery Dr was $3,644 with a homeowner's exemption.

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	$3,644.00 Homeowner's exemption	$285,887	$344,609 Land $152,775 Building $191,834
2023	$3,142.00 (+3.08%) Homeowner's exemption	$254,015 (+3.39%)	$347,147 (+19.74%) Land $178,238 Building $168,909
2022	$3,048.00 Homeowner's exemption	$245,684	$289,922 Land $123,675 Building $166,247

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2965 Lowery Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2022.

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 File median of 32 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	32 in force
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2022 · Hurricane Ian

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

Wildfire risk around 2965 Lowery Dr is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% 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 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