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3793 Charleston Loop, Oviedo, FL 32765 Property Records

Seminole County property record for 3793 Charleston Loop, Oviedo, FL 32765

Property Summary

Property TypeSingle Family Home
Details5 bd · 4 ba · 2,785 sqft · built 1993
Lot Size0.458 acres (19,964 sqft)
OwnerIndividual Name on File
Last Sale$540,000 (May 2018)
Tax Bill$7,270 (2025)
Deeds & MortgagesMay 2021 Mortgage
Nov 2019 Line of Credit
+ 1 more
Flood ZoneZone X (minimal risk)
APN33-21-31-503-0000-0970

Property Details

APN / Parcel Number

Primary APN33-21-31-503-0000-0970

Interior

Bedrooms5 Beds
Full Baths4 Baths
Plumbing Fixtures15 Plumbing Fixtures
Stories2 Stories
Building Area2,785 sqft Living Area
1st Floor Area1,835 sqft
2nd Floor Area950 sqft
Upper Floors Area1,478 sqft
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1993
Effective Year BuiltEffective 2010
Exterior MaterialCombination
Construction TypeMixed
Foundation TypeFooting
Roof TypeCathedral/Clerestory
Roof MaterialComposition Shingle
Lot Area19,964 sqft
Garage Area664 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area1 sqft
PorchPorch
Porch Area268 sqft
Patio Area1 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Street Address3793 CHARLESTON LOOP
CityOVIEDO
StateFL
Zip32765-9202
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 97 RIVER WALK PB 43 PGS 30 TO 34
Legal Range31E
Legal Township21S
Legal Section33
Legal SubdivisionRIVER WALK
Legal Tract503
Legal Lot Number97
JurisdictionSEMINOLE FL
Township / Civil DivisionOVIEDO
Census Block Group1
Census Block1009
Census Tract21317

Owner

3793 Charleston Loop is owned and occupied by an individual who bought it in May 2018.

Source: Seminole County records, as of December 5, 2025

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address3793 CHARLESTON LOOP, OVIEDO, FL 32765-9202
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
May 12, 2021Deed of Trust, Mortgage · Conventional Mortgage
FBC MORTGAGE LLC
Nov 19, 2019Deed of Trust, Mortgage · Line of Credit
SYNOVUS BANK
May 21, 2018Warranty Deed, Transfer · Conventional Mortgage
FLORIDA COMMUNITY BANK NA

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 21, 2018 · Amount on File
Deed SaleMay 21, 2018 · Amount on File
Prior SaleApr 1, 2014 · Amount on File
Deed Document Number2018057048
Deed Book / Page09136 / 0246
Record UpdatedJun 8, 2026

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSEMINOLE FL
Property Address3793 CHARLESTON LOOP, OVIEDO, FL 32765-9202
Transaction TypeMortgage
Record UpdatedJun 1, 2021
Title CompanyALL COUNTRY TITLE AGENCY INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address3793 CHARLESTON LOOP, OVIEDO, FL 32765-9202

Mortgage

Document Number0099281725
DateMay 12, 2021
Book Page9928/1725
Instrument2021063132
Lender
NameFBC MORTGAGE LLC
TypeMortgage Company
AddressORLANDO, FL 32801
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueMay 1, 2051

November 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSEMINOLE FL
Property Address3793 CHARLESTON LOOP, OVIEDO, FL 32765-9202
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0094820539
DateNov 19, 2019
Book Page09482/0539
Instrument2019126500
Lender
NameSYNOVUS BANK
TypeBank
AddressCOLUMBUS, GA 31901
Agreement
TypeLine of Credit
AmountAmount on Record
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

May 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSEMINOLE FL
Recording DateMay 21, 2018
Property Address3793 CHARLESTON LOOP, OVIEDO, FL 32765-9202
Document Number0091360246
Book / Page09136 / 0246
Map ReferenceMB43 PG30-34
Instrument DateMay 7, 2018
Instrument2018057048
Transaction TypeTransfer
Record UpdatedDec 22, 2021
Title CompanyCENTURION TITLE GROUP INC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,780.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1500 WHITESTABLE CT, 1500, JACKSONVILLE, FL 32246

Transferred To (Grantee/Buyer)

NameVerified Name
Address3793 CHARLESTON LOOP, OVIEDO, FL 32765-9202

Mortgage

Document Number2018057049
DateMay 21, 2018
Instrument2018057049
Lender
NameFLORIDA COMMUNITY BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJun 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3793 Charleston Loop was $7,270 with a homeowner's exemption.

Source: Seminole County assessment roll, as of July 1, 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$7,270.00 Homeowner's exemption$556,244$869,787 Land $178,000 Building $691,787
2023$7,003.00 (+2.34%) Homeowner's exemption$524,823 (+3%)$629,180 (-3.91%) Land $148,000 Building $481,180
2022$6,843.00 Homeowner's exemption$509,537$654,784 Land $130,000 Building $524,784

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

Flood

FEMA maps place 3793 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 21 individual policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies29 units insured
incl. 8 condo units
Nearby Flood Claims13 (2019–2022)
Claims Outside the SFHA4 of 13
Most Recent ClaimNov 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 3793 Charleston Loop is low, with a 0.03% annual chance of wildfire.

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

Wildfire RiskLow
lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood0.03% 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 196 locations within half a mile, as of December 31, 2025

ProviderMax 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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