Seminole County property record for 3769 Charleston Loop, Oviedo, FL 32765
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4.5 ba · 3,264 sqft · built 1993 |
| Lot Size | 0.489 acres (21,289 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $910,000 (Dec 2023) |
| Tax Bill | $493 (2025) |
| Deeds & Mortgages | Dec 2023 Sale & Mortgage Oct 2023 Transfer + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 33-21-31-503-0000-1010 |
| Primary APN | 33-21-31-503-0000-1010 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 16 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 3,264 sqft Living Area |
| Gross Area | 3,993 sqft |
| 1st Floor Area | 2,493 sqft |
| Upper Floors Area | 771 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Footing |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 21,289 sqft (0.489 acres) |
| Garage Type | Attached |
| Garage Area | 729 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 1 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 340 sqft |
| Patio Area | 292 sqft |
| Water Feature | Water Feature |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 3769 CHARLESTON LOOP |
|---|---|
| City | OVIEDO |
| State | FL |
| Zip | 32765-9202 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | LOT 101 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 | 101 |
| Jurisdiction | SEMINOLE FL |
| Township / Civil Division | OVIEDO |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 21317 |
Source: Seminole County records, as of May 21, 2026
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3769 CHARLESTON LOOP, OVIEDO, FL 32765-9202 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Dec 5, 2023 | Warranty Deed, Transfer · VA Mortgage THE MORTGAGE FIRM INC |
| Oct 26, 2023 | Correction Deed FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Sep 8, 2023 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Apr 26, 2021 | Deed of Trust, Mortgage · VA Mortgage INTERCONTINENTAL CAPITAL GROUP INC |
| May 18, 2020 | Deed of Trust, Mortgage · VA Mortgage ORION LNDG |
| Sep 10, 2019 | Warranty Deed, Transfer · VA Mortgage SYNOVUS MORTGAGE CORP |
| Jun 15, 2017 | Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 5, 2023 · Amount on Record |
| Deed Sale | Dec 5, 2023 · Amount on Record |
| Prior Sale | Sep 10, 2019 · Amount on Record |
| Deed Document Number | 2023110267 |
| Deed Book / Page | 10547 / 85 |
| Prior Transfer Date | Oct 24, 2023 |
| Prior Transfer Doc | 0105281510 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Dec 5, 2023 |
| Property Address | 3769 CHARLESTON LOOP, OVIEDO, FL 32765-9202 |
| Document Number | 0105470085 |
| Book / Page | 10547 / 85 |
| Map Reference | MB 43 PG 30-34 |
| Instrument Date | Dec 4, 2023 |
| Instrument | 2023110267 |
| Transaction Type | Transfer |
| Record Updated | Dec 20, 2023 |
| Title Company | LEADING EDGE TITLE PARTNERS/CTRL F, LEADING EDGE TTL OF CTRL FL |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,370.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 829 VISTA CV, CHULUOTA, FL 32766-9125 |
| Name | Verified Name |
|---|---|
| Address | 3769 CHARLESTON LOOP, OVIEDO, FL 32765-9202 |
| Document Number | 0001054787 |
|---|---|
| Date | Dec 5, 2023 |
| Instrument | 10547/87 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2054 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Oct 26, 2023 |
| Property Address | 3769 CHARLESTON LOOP, OVIEDO, FL 32765-9202 |
| Document Number | 0105281510 |
| Book / Page | 10528 / 1510 |
| Map Reference | MB 43 PG 30-34 |
| Instrument Date | Oct 24, 2023 |
| Instrument | 2023098990 |
| Record Updated | Nov 8, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|---|
| Address | 285 VIOLA CV, LAKE MARY, FL 32746-0003 |
| Name | Verified Name |
|---|---|
| Address | 3769 CHARLESTON LOOP, OVIEDO, FL 32765-9202 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 3769 CHARLESTON LOOP, OVIEDO, FL 32765-9202 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3769 CHARLESTON LOOP, OVIEDO, FL 32765-9202 |
| Investor | Possibly a Property Investor |
| Document Number | 0105040359 |
|---|---|
| Date | Sep 8, 2023 |
| Book Page | 10504/359 |
| Instrument | 2023083348 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 3769 CHARLESTON LOOP, OVIEDO, FL 32765-9202 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Title Company | NATIONWIDE TITLE CLEARING INC, NATIONWIDE TTL CLEARING INC |
| Name | Verified Name |
|---|---|
| Address | 3769 CHARLESTON LOOP, OVIEDO, FL 32765-9202 |
| Document Number | 0099120917 |
|---|---|
| Date | Apr 26, 2021 |
| Book Page | 9912/917 |
| Instrument | 2021054227 |
| Name | INTERCONTINENTAL CAPITAL GROUP INC |
|---|---|
| Type | Mortgage Company |
| Address | MELVILLE, NY 11747 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 3769 CHARLESTON LOOP, OVIEDO, FL 32765-9202 |
| Document Number | 0096100741 |
| Instrument Date | May 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 3769 CHARLESTON LOOP OVIEDO FL 327659202, OVIEDO, FL 32765-9202 |
| Document Number | 0096100741 |
|---|---|
| Date | May 27, 2020 |
| Book Page | 009610/000741 |
| Instrument | 54526 |
| Name | ORION LNDG |
|---|---|
| Address | ORANGE, CA 92868 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 26, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Sep 10, 2019 |
| Property Address | 3769 CHARLESTON LOOP, OVIEDO, FL 32765-9202 |
| Document Number | 0094310804 |
| Book / Page | 09431 / 0804 |
| Map Reference | MB 43 PG 30-34 |
| Instrument Date | Aug 30, 2019 |
| Instrument | 2019097119 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,200.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 285 VIOLA CV, 285, LAKE MARY, FL 32746-0003 |
| Name | Verified Name |
|---|---|
| Address | 3769 CHARLESTON LOOP, OVIEDO, FL 32765-9202 |
| Investor | Possibly a Property Investor |
| Document Number | 0009431812 |
|---|---|
| Date | Sep 10, 2019 |
| Instrument | 09431/812 |
| Name | SYNOVUS MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Jun 15, 2017 |
| Property Address | 3769 CHARLESTON LOOP, OVIEDO, FL 32765-9202 |
| Document Number | 0089340313 |
| Book / Page | 008934 / 000313 |
| Instrument Date | Jun 5, 2017 |
| Instrument | 60364 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2017 |
| Title Company | FIRST ADVANTAGE TITLE COMPANY, FIRST ADVANTAGE TITLE PARTNERS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,850.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3769 CHARLESTON LOOP OVIEDO FL 327659202, OVIEDO, FL 32765-9202 |
| Document Number | 89340314 |
|---|---|
| Date | Jun 15, 2017 |
| Book Page | 008934/000314 |
| Instrument | 60365 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 14, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.99% |
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 | $493.00 (-94.35%) | $679,468 (+11.31%) | $931,045 (+52.52%) Land $178,000 Building $753,045 |
| 2024 | $8,731.00 (+3.26%) | ||
| 2023 | $8,455.00 (+5.89%) | $610,447 (+3.21%) | $610,447 (-3.84%) Land $148,000 Building $462,447 |
| 2022 | $7,985.00 | $591,483 | $634,841 Land $130,000 Building $504,841 |
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 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 |
|
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 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 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 |
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