Seminole County property record for 2986 Lowery Dr, Oviedo, FL 32765
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,492 sqft · built 1987 |
| Lot Size | 0.298 acres (13,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $355,000 (Aug 2021) |
| Tax Bill | $3,825 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Aug 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-21-31-5CC-0B00-0180 |
| Primary APN | 27-21-31-5CC-0B00-0180 |
|---|---|
| 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 | 1,492 sqft Living Area |
| Gross Area | 1,972 sqft |
| 1st Floor Area | 1,492 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 13,000 sqft (0.298 acres) |
| Lot Dimensions | 130 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 48 sqft |
| Patio Area | 1 sqft |
| Shed | 1 Shed |
| Shed Area | 2 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 2986 LOWERY DR |
|---|---|
| City | OVIEDO |
| State | FL |
| Zip | 32765-9070 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1AA |
| Legal Description | N 25 FT OF LOT 18 & ALL LOT 19 BLK B 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 | B |
| Legal Lot Number | 18,19 |
| Jurisdiction | SEMINOLE FL |
| Township / Civil Division | OVIEDO |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 21320 |
2986 Lowery Dr is owned and occupied by two individuals who bought it in August 2021.
Source: Seminole County records, as of December 29, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2986 LOWERY DR, OVIEDO, FL 32765-9070 |
| 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.
| Date | Document |
|---|---|
| May 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Aug 14, 2021 | Warranty Deed, Transfer · FHA Mortgage CITIZENS BANK NA |
| May 5, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Nov 30, 2017 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 14, 2021 · Amount on File |
| Deed Sale | Aug 14, 2021 · Amount on File |
| Prior Sale | Aug 12, 2003 · Amount on File |
| Deed Document Number | 2021107543 |
| Deed Book / Page | 10014 / 712 |
| Prior Transfer Date | Apr 22, 2021 |
| Prior Transfer Doc | 0099201198 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 2986 LOWERY DR, OVIEDO, FL 32765-9070 |
| Transaction Type | Mortgage |
| Record Updated | Mar 15, 2024 |
| Title Company | LEGACY TITLE GROUP, LEGACY TITLE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 2986 LOWERY DR, OVIEDO, FL 32765-9070 |
| Investor | Possibly a Property Investor |
| Document Number | 0099201201 |
|---|---|
| Date | May 5, 2021 |
| Book Page | 9920/1201 |
| Instrument | 2021058832 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Aug 14, 2021 |
| Property Address | 2986 LOWERY DR, OVIEDO, FL 32765-9070 |
| Document Number | 0100140712 |
| Book / Page | 10014 / 712 |
| Map Reference | MB 11 PG 29 |
| Instrument Date | Aug 9, 2021 |
| Instrument | 2021107543 |
| Transaction Type | Transfer |
| Record Updated | Dec 8, 2025 |
| Title Company | TREASURE TITLE INSURANCE AGENCY INC, TREASURE TITLE INS AGCY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,485.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 988 WESTWOOD SQ STE 1004, 1004, OVIEDO, FL 32765-6554 |
| Name | Verified Name |
|---|---|
| Address | 2986 LOWERY DR, OVIEDO, FL 32765-9070 |
| Document Number | 0010014714 |
|---|---|
| Date | Aug 14, 2021 |
| Instrument | 10014/714 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | May 5, 2021 |
| Property Address | 2986 LOWERY DR, OVIEDO, FL 32765-9070 |
| Document Number | 0099201198 |
| Book / Page | 9920 / 1198 |
| Map Reference | MB 11 PG 29 |
| Instrument Date | Apr 22, 2021 |
| Instrument | 2021058830 |
| Transaction Type | Transfer |
| Record Updated | Dec 8, 2025 |
| Title Company | LEGACY TITLE GROUP, LEGACY TITLE GROUP LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2986 LOWERY DR, OVIEDO, FL 32765-9070 |
| Investor | Possibly a Property Investor |
| Document Number | 0099201201 |
|---|---|
| Date | May 5, 2021 |
| Instrument | 9920/1201 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 2986 LOWERY DR, OVIEDO, FL 32765-9070 |
| Document Number | 0090480980 |
| Instrument Date | Nov 30, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2018 |
| Title Company | LEGACY TITLE GROUP |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2986 LOWERY DR OVIEDO FL 327659070, OVIEDO, FL 32765-9070 |
| Document Number | 0090480980 |
|---|---|
| Date | Dec 28, 2017 |
| Book Page | 009048/000980 |
| Instrument | 130858 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Dec 27, 2032 |
The 2025 property tax bill for 2986 Lowery Dr was $3,825 with a homeowner's exemption.
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 | $3,825.00 Homeowner's exemption | $298,197 Land $99,750 Building $198,447 | $298,197 Land $99,750 Building $198,447 |
| 2023 | $3,861.00 (+3.73%) Homeowner's exemption | $307,110 (+20.31%) | $307,110 (+13.93%) Land $116,375 Building $190,735 |
| 2022 | $3,722.00 | $255,273 | $269,569 Land $80,750 Building $188,819 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2986 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 risk around 2986 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.
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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