3763 Charleston Loop, Oviedo, FL 32765 Property Records

Seminole County property record for 3763 Charleston Loop, Oviedo, FL 32765

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,911 sqft · built 1994
Lot Size	0.367 acres (16,017 sqft)
Owner	Owner Name on File
Last Sale	$315,000 (Aug 2014)
Tax Bill	$4,911 (2025)
Deeds & Mortgages	Aug 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`33-21-31-503-0000-1020`

Property Details

APN / Parcel Number

Primary APN	`33-21-31-503-0000-1020`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	2,911 sqft Living Area
1st Floor Area	1,281 sqft
2nd Floor Area	1,630 sqft
Upper Floors Area	1,630 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Exterior Material	Combination
Construction Type	Mixed
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	16,017 sqft
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Porch
Porch Area	537 sqft
Patio Area	424 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	3763 CHARLESTON LOOP
City	OVIEDO
State	FL
Zip	32765-9202
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 102 RIVER WALK PB 43 PGS 30 TO 34
Legal Range	31E
Legal Township	21S
Legal Section	33
Legal Subdivision	RIVER WALK
Legal Tract	503
Legal Lot Number	102
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	1
Census Block	1009
Census Tract	21317

Owner

The current owner of 3763 Charleston Loop bought it in August 2014.

Source: Seminole County records, as of December 5, 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	Owner Name on File
Mailing Address	3763 CHARLESTON LOOP, OVIEDO, FL 32765-9202
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Last Sale	Aug 4, 2014 · Amount on File
Deed Sale	Aug 4, 2014 · Amount on File
Prior Sale	Mar 28, 2014
Deed Document Number	2014084605
Deed Book / Page	08307 / 0078
Record Updated	Jun 8, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	3763 CHARLESTON LOOP, OVIEDO, FL 32765-9202
Document Number	0094230774
Instrument Date	Aug 12, 2019
Transaction Type	Mortgage
Record Updated	Sep 13, 2019
Title Company	WATSON TITLE SERVICES INC, WATSON TITLE SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3763 CHARLESTON LOOP OVIEDO FL 327659202, OVIEDO, FL 32765-9202

Mortgage

Document Number	0094230774
Date	Aug 26, 2019
Book Page	009423/000774
Instrument	92471

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 25, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 3763 Charleston Loop was $4,911 with a homeowner's exemption.

Source: Seminole County assessment roll, as of July 1, 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	$4,911.00 Homeowner's exemption	$388,635	$777,244 Land $178,000 Building $599,244
2023	$4,898.00 (+2.38%) Homeowner's exemption	$366,682 (+3%)	$564,412 (-3.41%) Land $148,000 Building $416,412
2022	$4,784.00 Homeowner's exemption	$356,002	$584,324 Land $130,000 Building $454,324

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

Flood

FEMA maps place 3763 Charleston Loop in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 21 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	29 units insured incl. 8 condo units
Nearby Flood Claims	13 (2019–2022)
Claims Outside the SFHA	4 of 13
Most Recent Claim	Nov 2022 · Hurricane Nicole
Claims by Event	Hurricane Ian, Sep 2022 · 6 claims Hurricane Ian, Sep 2022 · 5 claims

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 3763 Charleston Loop 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 196 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20