3840 Rustic Laurel Ct, Oviedo, FL 32766 Property Records

Seminole County property record for 3840 Rustic Laurel Ct, Oviedo, FL 32766

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,808 sqft · built 2006
Lot Size	0.357 acres (15,574 sqft)
Owner	2 Individual Names on File
Last Sale	$497,500 (Jun 2019)
Deeds & Mortgages	Dec 2020 Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-21-32-5SD-0000-7370`

Property Details

APN / Parcel Number

Primary APN	`20-21-32-5SD-0000-7370`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	2,808 sqft Living Area
1st Floor Area	2,808 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	15,574 sqft
Garage Area	486 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Porch
Porch Area	408 sqft
Patio Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3840 RUSTIC LAUREL CT
City	OVIEDO
State	FL
Zip	32766-7091
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 737 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	737
Legal Unit	FO
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	2
Census Block	2003
Census Tract	21203

Owner

3840 Rustic Laurel Ct is owned and occupied by two individuals who bought it in June 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	3840 RUSTIC LAUREL CT, OVIEDO, FL 32766-7091
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Dec 7, 2020	Deed of Trust, Mortgage · VA Mortgage HOME1ST LENDING LLC HOME1ST LENDING LLC
Mar 2, 2020	Deed of Trust, Mortgage · VA Mortgage HOME1ST LENDING LLC HOME1ST LENDING LLC
Jun 27, 2019	Warranty Deed, Transfer · Conventional with PMI HOME FIRST LENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 2019 · Amount on File
Deed Sale	Jun 27, 2019 · Amount on File
Prior Sale	Aug 2, 2013 · Amount on File
Deed Document Number	2019068559
Deed Book / Page	09382 / 1709
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	3840 RUSTIC LAUREL CT, OVIEDO, FL 32766-7091
Document Number	0097871306
Instrument Date	Dec 7, 2020
Transaction Type	Mortgage
Record Updated	Dec 31, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3840 RUSTIC LAUREL CT OVIEDO FL 327667091, OVIEDO, FL 32766-7091

Mortgage

Document Number	0097871306
Date	Dec 14, 2020
Book Page	009787/001306
Instrument	144208

Lender

Name	HOME1ST LENDING LLC HOME1ST LENDING LLC
Type	Bank
Address	1540 INTERNATIONAL PKWY # 3010, LAKE MARY, FL 32746-5096

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 13, 2050

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	3840 RUSTIC LAUREL CT, OVIEDO, FL 32766-7091
Document Number	0095561579
Instrument Date	Mar 2, 2020
Transaction Type	Mortgage
Record Updated	Jun 5, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3840 RUSTIC LAUREL CT OVIEDO FL 327667091, OVIEDO, FL 32766-7091

Mortgage

Document Number	0095561579
Date	Mar 13, 2020
Book Page	009556/001579
Instrument	28010

Lender

Name	HOME1ST LENDING LLC HOME1ST LENDING LLC
Type	Bank
Address	ORLANDO, FL 32801

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 12, 2050

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Jun 27, 2019
Property Address	3840 RUSTIC LAUREL CT, OVIEDO, FL 32766-7091
Document Number	0093821709
Book / Page	009382 / 001709
Instrument Date	Jun 21, 2019
Instrument	68559
Transaction Type	Transfer
Record Updated	Jul 9, 2019
Title Company	NONA TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,482.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3840 RUSTIC LAUREL CT OVIEDO FL 327667091, OVIEDO, FL 32766-7091

Mortgage

Document Number	93821711
Date	Jun 27, 2019
Book Page	009382/001711
Instrument	68560

Lender

Name	HOME FIRST LENDING
Address	ORLANDO, FL 32801

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 26, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Seminole County
Municipality	Oviedo City
Unified School District	Seminole County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	Homeowner's exemption	$428,026	$614,363 Land $150,000 Building $464,363
2023	Homeowner's exemption	$403,848	$572,759 Land $139,000 Building $433,759

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

Flood

FEMA maps place 3840 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

Wildfire risk around 3840 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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.

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