Seminole County property record for 304 Celtic Ct, Oviedo, FL 32765
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,635 sqft · built 1992 |
| Lot Size | 0.283 acres (12,347 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $400,000 (Jul 2018) |
| Tax Bill | $5,535 (2025) |
| Deeds & Mortgages | Apr 2020 Loan Modification Jul 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-21-31-503-0000-0120 |
| Primary APN | 21-21-31-503-0000-0120 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,635 sqft Living Area |
| Gross Area | 3,139 sqft |
| 1st Floor Area | 2,635 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 12,347 sqft (0.283 acres) |
| Garage Type | Attached |
| Garage Area | 504 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 1 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 403 sqft |
| Patio Area | 436 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 304 CELTIC CT |
|---|---|
| City | OVIEDO |
| State | FL |
| Zip | 32765-6599 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1AA |
| Legal Description | LOT 12 OAK CREEK PB 43 PGS 1 & 2 |
| Legal Range | 31E |
| Legal Township | 21S |
| Legal Section | 21 |
| Legal Subdivision | OAK CREEK |
| Legal Tract | 503 |
| Legal Lot Number | 12 |
| Jurisdiction | SEMINOLE FL |
| Township / Civil Division | OVIEDO |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 21314 |
Source: Seminole County records, as of December 29, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 304 CELTIC CT, OVIEDO, FL 32765-6599 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 16, 2020 | Loan Modification, Mortgage · Conventional with PMI GUARANTEED RATE |
| Jul 17, 2018 | Warranty Deed, Transfer · Conventional with PMI GUARANTEED RATE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 17, 2018 · Amount on Record |
| Deed Sale | Jul 17, 2018 · Amount on Record |
| Prior Sale | Dec 1, 1999 · Amount on Record |
| Deed Document Number | 201882110 |
| Deed Book / Page | 9174 / 1113 |
| Prior Transfer Date | Mar 13, 2015 |
| Prior Transfer Doc | 0084311243 |
| Record Updated | Jun 8, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 304 CELTIC CT, OVIEDO, FL 32765-6599 |
| Document Number | 0096310316 |
| Instrument Date | Apr 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 13, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 304 CELTIC CT OVIEDO FL 327656599, OVIEDO, FL 32765-6599 |
| Document Number | 0096310316 |
|---|---|
| Date | Jun 23, 2020 |
| Book Page | 009631/000316 |
| Instrument | 65111 |
| Name | GUARANTEED RATE |
|---|---|
| Address | LAKE ZURICH, IL 60047 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 22, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.25% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Jul 17, 2018 |
| Property Address | 304 CELTIC CT, OVIEDO, FL 32765-6599 |
| Document Number | 0091741113 |
| Book / Page | 009174 / 001113 |
| Instrument Date | Jul 12, 2018 |
| Instrument | 82110 |
| Transaction Type | Transfer |
| Record Updated | Aug 13, 2020 |
| Title Company | MEDALLION TITLE SERVICES, MEDALLION TITLE SVCS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,800.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 304 CELTIC CT OVIEDO FL 327656599, OVIEDO, FL 32765-6599 |
| Document Number | 91741114 |
|---|---|
| Date | Jul 17, 2018 |
| Book Page | 009174/001114 |
| Instrument | 82111 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 16, 2048 |
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 | $5,535.00 (+7.02%) Homeowner's exemption | $406,225 (+5.99%) | $614,101 (+13.77%) Land $150,000 Building $464,101 |
| 2023 | $5,172.00 (+2.36%) Homeowner's exemption | $383,278 (+3%) | $539,761 (+2.65%) Land $130,000 Building $409,761 |
| 2022 | $5,053.00 Homeowner's exemption | $372,115 | $525,820 Land $120,000 Building $405,820 |
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 21 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 21 in force |
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 62% of the US · lower than 88% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% 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 135 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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