Seminole County property record for 3781 Charleston Loop, Oviedo, FL 32765
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,408 sqft · built 1992 |
| Lot Size | 0.382 acres (16,669 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $312,800 (Sep 1998) |
| Tax Bill | $5,255 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 33-21-31-503-0000-0990 |
| Primary APN | 33-21-31-503-0000-0990 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 3,408 sqft Living Area |
| 1st Floor Area | 2,375 sqft |
| 2nd Floor Area | 1,033 sqft |
| Upper Floors Area | 1,033 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Exterior Material | Combination |
| Construction Type | Mixed |
| Foundation Type | Footing |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 16,669 sqft |
| Garage Area | 713 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 1 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 344 sqft |
| Patio Area | 494 sqft |
| Water Feature | Water Feature |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 3781 CHARLESTON LOOP |
|---|---|
| City | OVIEDO |
| State | FL |
| Zip | 32765-9202 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 99 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 | 99 |
| Jurisdiction | SEMINOLE FL |
| Township / Civil Division | OVIEDO |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 21317 |
The current owner of 3781 Charleston Loop bought it in September 1998.
Source: Seminole County records, as of December 5, 2025
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 3781 CHARLESTON LOOP, OVIEDO, FL 32765-9202 |
| Occupancy | Owner Occupied |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 1, 1998 · Amount on File |
| Deed Sale | Sep 1, 1998 · Amount on File |
| Prior Sale | Dec 14, 1993 · Amount on File |
| Deed Document Number | 0349000323 |
| Deed Book / Page | 03490 / 00323 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 3781 Charleston Loop was $5,255 with a homeowner's exemption.
Source: Seminole County assessment roll, as of July 1, 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 | $5,255.00 Homeowner's exemption | $413,093 | $860,654 Land $178,000 Building $682,654 |
| 2023 | $5,205.00 (+2.38%) Homeowner's exemption | $389,758 (+3%) | $624,634 (-3.92%) Land $148,000 Building $476,634 |
| 2022 | $5,084.00 Homeowner's exemption | $378,406 | $650,099 Land $130,000 Building $520,099 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3781 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 |
|
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 risk around 3781 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures