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3820 Rustic Laurel Ct, Oviedo, FL 32766 Property Records

Seminole County property record for 3820 Rustic Laurel Ct, Oviedo, FL 32766

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,522 sqft · built 2007
Lot Size0.239 acres (10,434 sqft)
OwnerIndividual Name on File
Last Sale$433,400 (Sep 2007)
Tax Bill$4,449 (2025)
Deeds & MortgagesSep 2025 Line of Credit
Flood ZoneZone X (minimal risk)
APN20-21-32-5SD-0000-7390

Property Details

APN / Parcel Number

Primary APN20-21-32-5SD-0000-7390

Interior

Bedrooms4 Beds
Full Baths3 Baths
Plumbing Fixtures11 Plumbing Fixtures
Stories1 Story
Building Area2,522 sqft Living Area
1st Floor Area2,522 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2007
Exterior MaterialStucco
Construction TypeConcrete Block
Foundation TypeFooting
Roof TypeCathedral/Clerestory
Roof MaterialComposition Shingle
Lot Area10,434 sqft
Garage Area667 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area1 sqft
PorchPorch
Porch Area297 sqft
Patio Area537 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelSolar

Location & Zoning

Street Address3820 RUSTIC LAUREL CT
CityOVIEDO
StateFL
Zip32766-7091
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 739 LIVE OAK RESERVE UNIT FOUR PB 69 PGS 80 - 91
Legal Range32E
Legal Township21S
Legal Section20
Legal SubdivisionLIVE OAK RESERVE
Legal Lot Number739
Legal UnitFO
JurisdictionSEMINOLE FL
Township / Civil DivisionOVIEDO
Census Block Group2
Census Block2003
Census Tract21203

Owner

3820 Rustic Laurel Ct is owned and occupied by an individual who bought it in September 2007.

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

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address3820 RUSTIC LAUREL CT, OVIEDO, FL 32766-7091
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

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 27, 2007 · Amount on File
Deed SaleSep 27, 2007 · Amount on File
Deed Document Number2007138831
Deed Book / Page06827 / 0696
Record UpdatedJun 8, 2026

September 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSEMINOLE FL
Property Address3820 RUSTIC LAUREL CT, OVIEDO, FL 32766-7091
Transaction TypeMortgage
Record UpdatedSep 26, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address3820 RUSTIC LAUREL CT, OVIEDO, FL 32766-7091
InvestorPossibly a Property Investor

Mortgage

Document Number0108940853
DateSep 9, 2025
Book Page10894/853
Instrument2025089117
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
TypeLine of Credit
AmountAmount on Record
Term480 Months
DueSep 1, 2065
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

The 2025 property tax bill for 3820 Rustic Laurel Ct was $4,449 with a homeowner's exemption.

Source: Seminole County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountySeminole County
MunicipalityOviedo City
Unified School DistrictSeminole County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,449.00 Homeowner's exemption$304,065$578,589 Land $150,000 Building $428,589
2023$3,901.00 (+2.87%) Homeowner's exemption$286,889 (+3%)$543,596 (+8.58%) Land $139,000 Building $404,596
2022$3,792.00 Homeowner's exemption$278,533$500,662 Land $115,000 Building $385,662

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

Flood

FEMA maps place 3820 Rustic Laurel Ct in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2017.

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
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 39 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies39 in force
Nearby Flood Claims2 (2017–2022)
Claims Outside the SFHA2 of 2
Most Recent ClaimSep 2022 · Hurricane Ian

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 3820 Rustic Laurel Ct is high, ranking above 71% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire RiskHigh
above 71% of the US · above 53% of Florida
Wildfire Likelihood0.3% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemCITY OF OVIEDO
serves 47,933 people · EPA ID FL3590970
Water SourceGroundwater
Last State InspectionJul 2023
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 259 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
AT&T
Fiber		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

May also be available: Hotwire Communications.

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