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309 Celtic Ct, Oviedo, FL 32765 Property Records

Seminole County property record for 309 Celtic Ct, Oviedo, FL 32765

Property Summary

Property TypeSingle Family Home
Details5 bd · 4 ba · 3,230 sqft · built 1990
Lot Size0.25 acres (10,882 sqft)
Owner2 Individual Names on File
Last Sale$295,900 (Jul 2003)
Tax Bill$4,857 (2025)
Deeds & MortgagesJun 2020 Mortgage
Jun 2020 Transfer
Flood ZoneZone X (minimal risk)
APN21-21-31-503-0000-0080

Property Details

APN / Parcel Number

Primary APN21-21-31-503-0000-0080
Alternative APN
  • 21312150300000080

Interior

Bedrooms5 Beds
Full Baths4 Baths
Plumbing Fixtures18 Plumbing Fixtures
Stories2 Stories
Building Area3,230 sqft Living Area
Gross Area3,744 sqft
1st Floor Area2,607 sqft
Upper Floors Area623 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1990
Effective Year BuiltEffective 1990
Exterior MaterialStucco
Construction TypeWood
Roof TypeCathedral/Clerestory
Roof MaterialComposition Shingle
Lot Area10,882 sqft (0.25 acres)
Garage TypeAttached
Garage Area514 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area1 sqft
PorchOpen Porch
Porch Area238 sqft
Patio Area980 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating FuelSolar

Location & Zoning

Street Address309 CELTIC CT
CityOVIEDO
StateFL
Zip32765-6599
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1AA
Legal DescriptionLOT 8 OAK CREEK PB 43 PGS 1 & 2
Legal Range31E
Legal Township21S
Legal Section21
Legal SubdivisionOAK CREEK
Legal Tract503
Legal Lot Number8
JurisdictionSEMINOLE FL
Township / Civil DivisionOVIEDO
Census Block Group2
Census Block2004
Census Tract21314

Owner

309 Celtic Ct is owned and occupied by two individuals who acquired it in June 2020.

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

Owner of Record2 Individual Names on File
Mailing Address309 CELTIC CT, OVIEDO, FL 32765-6599
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Jun 24, 2020Deed of Trust, Mortgage · Conventional Mortgage
QUICKEN LNS
Jun 4, 2020Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 16, 2003 · Amount on File
Deed SaleJul 16, 2003 · Amount on File
Prior SaleAug 1, 1991 · Amount on File
Deed Document Number2003120689
Deed Book / Page4912 / 1
Last Transfer DateJun 4, 2020
Transfer Doc0096170923
Record UpdatedJun 8, 2026

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSEMINOLE FL
Property Address309 CELTIC CT, OVIEDO, FL 32765-6599
Document Number0096410416
Instrument DateJun 24, 2020
Transaction TypeMortgage
Record UpdatedAug 17, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address309 CELTIC CT OVIEDO FL 327656599, OVIEDO, FL 32765-6599

Mortgage

Document Number0096410416
DateJul 6, 2020
Book Page009641/000416
Instrument70264
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term180 Months
DueJul 5, 2035

June 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSEMINOLE FL
Recording DateJun 4, 2020
Property Address309 CELTIC CT, OVIEDO, FL 32765-6599
Document Number0096170923
Book / Page009617 / 000923
Instrument DateJun 4, 2020
Instrument57862
Transaction TypeTransfer
Record UpdatedJul 27, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address309 CELTIC CT OVIEDO FL 327656599, OVIEDO, FL 32765-6599

Tax Assessment & Valuation

The 2025 property tax bill for 309 Celtic Ct was $4,857 with a homeowner's exemption.

Source: Seminole County assessment roll, as of December 29, 2025

Property Jurisdictions

TypeName
StateFlorida
CountySeminole County
Unified School DistrictSeminole County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,857.00 Homeowner's exemption$356,623$693,869 Land $150,000 Building $543,869
2023$4,549.00 (+2.36%) Homeowner's exemption$336,478 (+3%)$610,334 (+2.45%) Land $130,000 Building $480,334
2022$4,444.00 Homeowner's exemption$326,678$595,754 Land $120,000 Building $475,754

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

Flood

FEMA maps place 309 Celtic Ct in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 27, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 21 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies21 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.

Wildfire

Wildfire risk around 309 Celtic Ct is low, with a 0.07% annual chance of wildfire.

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

Wildfire RiskLow
lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood0.07% annual chance
ExposureNone
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 SystemSEMINOLE COUNTY SOUTHEAST
serves 70,040 people · EPA ID FL3590571
Water SourceGroundwater
Last State InspectionApr 2024
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 135 locations within half a mile, as of December 31, 2025

ProviderMax 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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