Seminole County property record for 3810 Charleston Loop, Oviedo, FL 32765
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 3,248 sqft · built 1993 |
| Lot Size | 0.484 acres (21,092 sqft) |
| Owner | Company Name on Record |
| Last Sale | $424,900 (May 2004) |
| Tax Bill | $5,329 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 33-21-31-503-0000-1230 |
| Primary APN | 33-21-31-503-0000-1230 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 3,248 sqft Living Area |
| Gross Area | 3,956 sqft |
| 1st Floor Area | 1,536 sqft |
| Upper Floors Area | 1,712 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 21,092 sqft (0.484 acres) |
| Garage Type | Attached |
| Garage Area | 708 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 1 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 306 sqft |
| Patio Area | 1,108 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Solar |
| Street Address | 3810 CHARLESTON LOOP |
|---|---|
| City | OVIEDO |
| State | FL |
| Zip | 32765-9201 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | LOT 123 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 | 123 |
| Jurisdiction | SEMINOLE FL |
| Township / Civil Division | OVIEDO |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 21317 |
Source: Seminole County records, as of December 29, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 3810 CHARLESTON LOOP, OVIEDO, FL 32765-9201 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 14, 2004 · Amount on Record |
| Deed Sale | May 14, 2004 · Amount on Record |
| Prior Sale | Aug 29, 2001 · Amount on Record |
| Deed Document Number | 200475114 |
| Deed Book / Page | 5305 / 1624 |
| Last Transfer Date | Aug 4, 2009 |
| Transfer Doc | 0072420049 |
| Record Updated | Jun 8, 2026 |
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 | $5,329.00 (+7.53%) Homeowner's exemption Widower's exemption | $398,520 (+5.99%) | $824,315 (+37.78%) Land $178,000 Building $646,315 |
| 2023 | $4,956.00 (+1.16%) Homeowner's exemption | $376,009 (+3%) | $598,277 (-3.71%) Land $148,000 Building $450,277 |
| 2022 | $4,899.00 Homeowner's exemption | $365,057 | $621,338 Land $130,000 Building $491,338 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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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