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3845 Rustic Laurel Ct, Oviedo, FL 32766 Property Records

Seminole County property record for 3845 Rustic Laurel Ct, Oviedo, FL 32766

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 3,099 sqft · built 2006
Lot Size0.409 acres (17,816 sqft)
Owner2 Company Names on File
Last Sale$950,000 (Jan 2025)
Tax Bill$5,852 (2025)
Deeds & MortgagesJun 2026 Transfer
Jun 2026 Transfer
+ 1 more
Flood ZoneZone X (minimal risk)
APN20-21-32-5SD-0000-7340

Property Details

APN / Parcel Number

Primary APN20-21-32-5SD-0000-7340
Alternative APN
  • 2132205SD00007340

Interior

Bedrooms4 Beds
Full Baths3 Baths
Plumbing Fixtures12 Plumbing Fixtures
Stories1 Story
Building Area3,099 sqft Living Area
Gross Area3,783 sqft
1st Floor Area3,099 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2006
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Foundation TypeFooting
Roof TypeCathedral/Clerestory
Roof MaterialComposition Shingle
Lot Area17,816 sqft (0.409 acres)
Garage TypeAttached
Garage Area684 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area1 sqft
PorchOpen Porch
Porch Area648 sqft
Patio Area506 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelElectric

Location & Zoning

Street Address3845 RUSTIC LAUREL CT
CityOVIEDO
StateFL
Zip32766-7091
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePUD
Legal DescriptionLOT 734 LIVE OAK RESERVE UNIT FOUR PB 69 PGS 80 - 91
Legal Range32E
Legal Township21S
Legal Section20
Legal SubdivisionLIVE OAK RESERVE UNIT FOUR
Legal Tract5SD
Legal Lot Number734
JurisdictionSEMINOLE FL
Township / Civil DivisionOVIEDO
Census Block Group2
Census Block2003
Census Tract21203

Owner

3845 Rustic Laurel Ct is owned by a company that bought it in January 2025.

Source: Seminole County records, as of July 9, 2026

Owner of Record2 Company Names on File
Mailing Address3845 RUSTIC LAUREL CT, OVIEDO, FL 32766-7091
Owner TypeCompany
VestingLife Tenant

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
Jun 22, 2026Quit Claim Deed, Transfer
NONE LISTED ON DOCUMENT
Jun 25, 2026Correction Deed
NONE LISTED ON DOCUMENT
Dec 1, 2017Deed of Trust, Mortgage · Conventional Mortgage
US SMALL BUSN ADMN

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 17, 2025 · Amount on File
Deed SaleJan 17, 2025 · Amount on File
Prior SaleJul 23, 2015
Deed Document Number20254970
Deed Book / Page10759 / 634
Prior Transfer DateDec 15, 2015
Prior Transfer Doc0086010471
Record UpdatedOct 29, 2026

June 2026: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSEMINOLE FL
Recording DateJun 22, 2026
Property Address3845 RUSTIC LAUREL CT, OVIEDO, FL 32766-7091
Document Number0000061888
Book / Page11061 / 740
Instrument DateJun 15, 2026
Instrument202661888
Transaction TypeTransfer
Record UpdatedAug 30, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLife Tenant
Address3845 RUSTIC LAUREL CT, OVIEDO, FL 32766-7091

June 2026: Correction Deed

Document TypeCorrection Deed
JurisdictionSEMINOLE FL
Recording DateJun 25, 2026
Property Address3845 RUSTIC LAUREL CT, OVIEDO, FL 32766-7091
Document Number0000063757
Book / Page11064 / 924
Instrument DateJun 15, 2026
Instrument202663757
Record UpdatedAug 30, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

Tax$0.00
Amount AccuracyFull Amount Stated

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLife Tenant
Address3845 RUSTIC LAUREL CT, OVIEDO, FL 32766-7091

December 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSEMINOLE FL
Property Address3845 RUSTIC LAUREL CT, OVIEDO, FL 32766-7091
Document Number0090481712
Book / Page009048 / 001712
Instrument DateDec 1, 2017
Transaction TypeMortgage
Record UpdatedJan 16, 2018
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3845 RUSTIC LAUREL CT OVIEDO FL 327667091, OVIEDO, FL 32766-7091

Mortgage

Document Number0090481712
DateDec 28, 2017
Book Page009048/001712
Instrument131112
Lender
NameUS SMALL BUSN ADMN
AddressBIRMINGHAM, AL 35211
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueDec 27, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3845 Rustic Laurel Ct was $5,852.

Source: Seminole County assessment roll, as of December 29, 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$5,852.00$386,837$670,644 Land $150,000 Building $520,644
2023$5,223.00 (+2.69%) Homeowner's exemption$364,985 (+3%)$631,447 (+8.08%) Land $139,000 Building $492,447
2022$5,086.00 Homeowner's exemption$354,354$584,257 Land $115,000 Building $469,257

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 3845 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 3845 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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