Seminole County property record for 2987 Joseph Cir, Oviedo, FL 32765
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,769 sqft · built 1998 |
| Lot Size | 0.12 acres (5,250 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $300,000 (Feb 2020) |
| Tax Bill | $3,548 (2025) |
| Deeds & Mortgages | Dec 2023 Line of Credit Feb 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-21-31-515-0000-0330 |
| Primary APN | 27-21-31-515-0000-0330 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,769 sqft Living Area |
| 1st Floor Area | 1,769 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1998 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 5,250 sqft |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 1 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 130 sqft |
| Patio Area | 340 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Solar |
| Street Address | 2987 JOSEPH CIR |
|---|---|
| City | OVIEDO |
| State | FL |
| Zip | 32765-9228 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 33 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 | 33 |
| Jurisdiction | SEMINOLE FL |
| Township / Civil Division | OVIEDO |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 21317 |
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 Record | Individual Name on Record |
|---|---|
| Mailing Address | 2987 JOSEPH CIR, OVIEDO, FL 32765-9228 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 14, 2023 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA |
| Feb 3, 2020 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 3, 2020 · Amount on Record |
| Deed Sale | Feb 3, 2020 · Amount on Record |
| Prior Sale | Nov 5, 2003 |
| Deed Document Number | 2020012311 |
| Deed Book / Page | 09530 / 0290 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 2987 JOSEPH CIR, OVIEDO, FL 32765-9228 |
| Transaction Type | Mortgage |
| Record Updated | Dec 26, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 2987 JOSEPH CIR, OVIEDO, FL 32765-9228 |
| Document Number | 0105520216 |
|---|---|
| Date | Dec 14, 2023 |
| Book Page | 10552/216 |
| Instrument | 2023113478 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 25, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Feb 3, 2020 |
| Property Address | 2987 JOSEPH CIR, OVIEDO, FL 32765-9228 |
| Document Number | 0095300290 |
| Book / Page | 09530 / 0290 |
| Map Reference | MB 49 PG 73 |
| Instrument Date | Jan 28, 2020 |
| Instrument | 2020012311 |
| Transaction Type | Transfer |
| Record Updated | Dec 22, 2021 |
| Title Company | FIRST SERVICE TTL OF FL LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,100.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 935 GLENN CIRCLE, 935, WINTER SPRINGS, FL 32708 |
| Name | Verified Name |
|---|---|
| Address | 2987 JOSEPH CIR, OVIEDO, FL 32765-9228 |
| Document Number | 0095300291 |
|---|---|
| Date | Feb 3, 2020 |
| Instrument | 09530/0291 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2050 |
Source: Seminole County assessment roll, as of July 1, 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 | $3,548.00 (+1.17%) Homeowner's exemption | $291,793 (+5.99%) | $373,555 (+4.15%) Land $88,000 Building $285,555 |
| 2023 | $3,507.00 (+2.57%) Homeowner's exemption | $275,310 (+3%) | $358,669 (+5.2%) Land $88,000 Building $270,669 |
| 2022 | $3,419.00 Homeowner's exemption | $267,291 | $340,928 Land $88,000 Building $252,928 |
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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