Seminole County property record for 3830 Rustic Laurel Ct, Oviedo, FL 32766
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,962 sqft · built 2006 |
| Lot Size | 0.271 acres (11,821 sqft) |
| Owner | Individual Name on File |
| Last Sale | $544,500 (Oct 2006) |
| Tax Bill | $5,361 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-21-32-5SD-0000-7380 |
| Primary APN | 20-21-32-5SD-0000-7380 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,962 sqft Living Area |
| 1st Floor Area | 1,570 sqft |
| 2nd Floor Area | 1,392 sqft |
| Upper Floors Area | 1,392 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 11,821 sqft |
| Garage Area | 639 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 1 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 392 sqft |
| Patio Area | 1,258 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Street Address | 3830 RUSTIC LAUREL CT |
|---|---|
| City | OVIEDO |
| State | FL |
| Zip | 32766-7091 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 738 LIVE OAK RESERVE UNIT FOUR PB 69 PGS 80 - 91 |
| Legal Range | 32E |
| Legal Township | 21S |
| Legal Section | 20 |
| Legal Subdivision | LIVE OAK RESERVE |
| Legal Lot Number | 738 |
| Legal Unit | FO |
| Jurisdiction | SEMINOLE FL |
| Township / Civil Division | OVIEDO |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 21203 |
3830 Rustic Laurel Ct is owned and occupied by an individual who bought it in October 2006.
Source: Seminole County records, as of December 5, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 3830 RUSTIC LAUREL CT, OVIEDO, FL 32766-7091 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 23, 2006 · Amount on File |
| Deed Sale | Oct 23, 2006 · Amount on File |
| Deed Document Number | 2006168439 |
| Deed Book / Page | 06454 / 1085 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 3830 RUSTIC LAUREL CT, OVIEDO, FL 32766-7091 |
| Transaction Type | Mortgage |
| Record Updated | Jul 5, 2021 |
| Title Company | FIRST SERVICE TITLE, FIRST SERVICE TTL OF FL LLC |
| Name | Verified Name |
|---|---|
| Address | 3830 RUSTIC LAUREL CT, OVIEDO, FL 32766-7091 |
| Document Number | 0099580714 |
|---|---|
| Date | Jun 11, 2021 |
| Book Page | 9958/714 |
| Instrument | 2021078458 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.44% |
| Type Change Date | Jun 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 2% |
| Max Rate At Change | 4.44% |
| Index | Prime Rate |
| Margin | 2 |
| Max Rate | 8.44% |
The 2025 property tax bill for 3830 Rustic Laurel Ct was $5,361 with a homeowner's exemption.
Source: Seminole County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Seminole County |
| Municipality | Oviedo City |
| Unified School District | Seminole County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,361.00 Homeowner's exemption | $352,014 | $640,876 Land $150,000 Building $490,876 |
| 2023 | $4,700.00 (+2.73%) Homeowner's exemption | $332,129 (+3%) | $604,332 (+8.19%) Land $139,000 Building $465,332 |
| 2022 | $4,575.00 Homeowner's exemption | $322,455 | $558,587 Land $115,000 Building $443,587 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3830 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 Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 39 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 39 in force |
| Nearby Flood Claims | 2 (2017–2022) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Sep 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 risk around 3830 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 Risk | High above 71% of the US · above 53% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | CITY OF OVIEDO serves 47,933 people · EPA ID FL3590970 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2023 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 259 locations within half a mile, as of December 31, 2025
| Provider | Max 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures