411 E 4th St, Chuluota (Oviedo), FL 32766 Property Records

Seminole County property record for 411 E 4th St, Chuluota, FL 32766

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,152 sqft · built 1986
Lot Size	0.258 acres (11,250 sqft)
Owner	Owner Name on File
Last Sale	$71,000 (Oct 2002)
Tax Bill	$751 (2025)
Deeds & Mortgages	Apr 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`21-21-32-5CF-3200-0100`

Property Details

APN / Parcel Number

Primary APN	`21-21-32-5CF-3200-0100`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,152 sqft Living Area
1st Floor Area	1,152 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Exterior Material	Siding
Construction Type	Wood Frame
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,250 sqft (0.258 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Garage Type	Carport
Carport	Carport
Carport Area	336 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed
Shed Area	3 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	411 E 4TH ST
City	CHULUOTA
State	FL
Zip	32766-8609
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 BLK 32 NORTH CHULUOTA PB 2 PG 54 TO 58
Legal Range	32E
Legal Township	21S
Legal Section	21
Legal Subdivision	NORTH CHULUOTA
Legal Block	32
Legal Lot Number	10
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	2
Census Block	2010
Census Tract	21205

Owner

The current owner of 411 E 4th St bought it in October 2002.

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

Owner of Record	Owner Name on File
Mailing Address	411 E 4TH ST, CHULUOTA, FL 32766-8609
Occupancy	Owner Occupied

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 Names	Name on Deed
Last Sale	Oct 10, 2002 · Amount on File
Deed Sale	Oct 10, 2002 · Amount on File
Prior Sale	May 17, 2002
Deed Document Number	0455500899
Deed Book / Page	04555 / 00899
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	411 E 4TH ST, CHULUOTA, FL 32766-8609
Document Number	0095851401
Instrument Date	Apr 15, 2020
Transaction Type	Mortgage
Record Updated	Jun 24, 2020
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	411 E 4TH ST CHULUOTA FL 327668609, CHULUOTA, FL 32766-8609

Mortgage

Document Number	0095851401
Date	Apr 22, 2020
Book Page	009585/001401
Instrument	42409

Lender

Name	FAIRWINDS CU
Address	ORLANDO, FL 32826

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Apr 21, 2030

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 411 E 4th St was $751 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$751.00 Homeowner's exemption	$93,085	$259,095 Land $92,700 Building $166,395
2023	$951.00 (+3.59%) Homeowner's exemption	$87,827 (+3%)	$224,625 (-1%) Land $69,525 Building $155,100
2022	$918.00 Homeowner's exemption	$85,269	$226,890 Land $73,388 Building $153,502

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

Flood

FEMA maps place 411 E 4th St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2022.

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 19 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	3 (2022–2024)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Oct 2024 · Hurricane Milton

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 411 E 4th St is moderate, ranking above 42% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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	CHULUOTA WATER SYSTEM public/private · serves 3,863 people · EPA ID FL3590186
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2020
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 319 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	1,000 / 1,000
Spectrum Cable	1,000 / 35

May also be available: Verizon.

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