3780 Charleston Loop, Oviedo, FL 32765 Property Records

Seminole County property record for 3780 Charleston Loop, Oviedo, FL 32765 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,316 sqft · built 1992
Lot Size	0.374 acres (16,272 sqft)
Owner	2 Individual Names on File
Last Sale	$692,000 (Dec 2021)
Tax Bill	$8,763 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Jul 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`33-21-31-503-0000-1210`

Property Details

APN / Parcel Number

Primary APN	`33-21-31-503-0000-1210`
Alternative APN	`21313350300001210`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	3,316 sqft Living Area
Gross Area	4,152 sqft
1st Floor Area	3,316 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

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	16,272 sqft (0.374 acres)
Garage Type	Attached
Garage Area	836 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Open Porch
Porch Area	412 sqft
Patio Area	386 sqft
Water Feature	Water Feature

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3780 CHARLESTON LOOP
City	OVIEDO
State	FL
Zip	32765-9201
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 121 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	121
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	1
Census Block	1011
Census Tract	21317

Owner

Source: Seminole County records · APN 33-21-31-503-0000-1210

Assessment roll updated December 29, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	3780 CHARLESTON LOOP, OVIEDO, FL 32765-9201
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2021	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Jul 15, 2021	Intrafamily Transfer, Transfer ATTORNEY
May 28, 2020	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Jun 30, 2017	Warranty Deed, Transfer FIRST ADVANTAGE TITLE COMPANY, FIRST ADVANTAGE TITLE PARTNERS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 20, 2021 · Amount on Record
Deed Sale	Dec 20, 2021 · Amount on Record
Prior Sale	May 28, 2020 · Amount on Record
Deed Document Number	2021165326
Deed Book / Page	10127 / 663
Prior Transfer Date	May 19, 2021
Prior Transfer Doc	0099890820
Record Updated	Sep 20, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Dec 20, 2021
Property Address	3780 CHARLESTON LOOP, OVIEDO, FL 32765-9201
Document Number	0101270663
Book / Page	10127 / 663
Map Reference	MB 43 PG 30-34
Instrument Date	Dec 03, 2021
Instrument	2021165326
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	CELEBRATION TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,844.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3780 CHARLESTON LOOP, OVIEDO, FL 32765-9201

Mortgage

Document Number	0101270672
Date	Dec 20, 2021
Book Page	10127/672
Instrument	2021165329

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2052

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SEMINOLE FL
Recording Date	Jul 15, 2021
Property Address	3780 CHARLESTON LOOP, OVIEDO, FL 32765-9201
Document Number	0099890820
Book / Page	9989 / 820
Map Reference	MB 43 PG 30-34
Instrument Date	May 19, 2021
Instrument	2021094322
Transaction Type	Transfer
Record Updated	Jun 07, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3780 CHARLESTON LOOP, OVIEDO, FL 32765-9201

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	May 28, 2020
Property Address	3780 CHARLESTON LOOP, OVIEDO, FL 32765-9201
Document Number	0096110179
Book / Page	9611 / 179
Map Reference	MB 43 PG 30-34
Instrument Date	May 19, 2020
Instrument	2020054862
Transaction Type	Transfer
Record Updated	Dec 22, 2021
Title Company	WATSON TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,070.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3780 CHARLESTON LOOP, 3780, OVIEDO, FL 32765-9201

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3780 CHARLESTON LOOP, OVIEDO, FL 32765-9201

Mortgage

Document Number	0009611181
Date	May 28, 2020
Instrument	9611/181

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2050

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Jun 30, 2017
Property Address	3780 CHARLESTON LOOP, OVIEDO, FL 32765-9201
Document Number	0089441000
Book / Page	008944 / 001000
Instrument Date	Jun 29, 2017
Instrument	66542
Transaction Type	Transfer
Record Updated	Aug 22, 2017
Title Company	FIRST ADVANTAGE TITLE COMPANY, FIRST ADVANTAGE TITLE PARTNERS

Transaction

Amount	Amount Recorded
Tax	$3,710.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3780 CHARLESTON LOOP OVIEDO FL 327659201, OVIEDO, FL 32765-9201

Tax Assessment & Valuation

Source: Seminole County records · Assessment roll updated December 29, 2025 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Florida
County	Seminole County
Unified School District	Seminole County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,763.00 (+8.03%) Homeowner's exemption	$644,561 (+5.99%)	$840,388 (+37.77%) Land $178,000 Building $662,388
2023	$8,112.00 (+2.33%) Homeowner's exemption	$608,151 (+3%)	$610,008 (-3.83%) Land $148,000 Building $462,008
2022	$7,927.00 Homeowner's exemption	$590,438	$634,298 Land $130,000 Building $504,298

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Seminole County (12117C), updated November 27, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121170213171, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 21 individual NFIP policies nearby
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	29 units insured 8 under condo master policies
Nearby Flood Claims	13 (2019–2022)
Claims Outside the SFHA	4 of 13
Most Recent Claim	Nov 2022, rainfall accumulation, Hurricane Nicole
Claims By Storm	Hurricane Ian, Sep 2022 · 6 claims Hurricane Ian, Sep 2022 · 5 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 196 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	1,000 / 75
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20

May also be available at this address: AT&T, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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