435 Clark St, Oviedo, FL 32765 Property Records

Seminole County property record for 435 Clark St, Oviedo, FL 32765

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,358 sqft · built 1999
Lot Size	1.08 acres (47,045 sqft)
Owner	Individual Name on File
Last Sale	$675,000 (Dec 2020)
Tax Bill	$7,292 (2025)
Deeds & Mortgages	Feb 2026 Second Mortgage Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-21-31-300-0060-0000`

Property Details

APN / Parcel Number

Primary APN	`16-21-31-300-0060-0000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Stories	2 Stories
Building Area	3,358 sqft Living Area
1st Floor Area	2,071 sqft
2nd Floor Area	1,287 sqft
Upper Floors Area	1,287 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Exterior Material	Combination
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	47,045 sqft (1.08 acres)
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	870 sqft
Patio Area	1 sqft
Utility Building	182 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	435 CLARK ST
City	OVIEDO
State	FL
Zip	32765-6770
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 16 TWP 21S RGE 31E S 230 FT OF E 210 FT OF W 420 FT OF NE 1/4 OF NE 1/4 (LESS S 25 FT)
Legal Range	31E
Legal Township	21S
Legal Section	16
Legal Subdivision	METES & BOUNDS
Legal Tract	300
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	3
Census Block	3004
Census Tract	21314

Owner

435 Clark St is owned and occupied by an individual who bought it in December 2020.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	435 CLARK ST, OVIEDO, FL 32765-6770
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
Feb 23, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Dec 9, 2020	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 9, 2020 · Amount on File
Deed Sale	Dec 9, 2020 · Amount on File
Prior Sale	Apr 15, 2013 · Amount on File
Deed Document Number	2020142079
Deed Book / Page	9783 / 771
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	435 CLARK ST, OVIEDO, FL 32765-6770
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	435 CLARK ST, OVIEDO, FL 32765-6770

Mortgage

Document Number	0109870935
Date	Feb 23, 2026
Book Page	10987/935
Instrument	2026017619

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Dec 9, 2020
Property Address	435 CLARK ST, OVIEDO, FL 32765-6770
Document Number	0097830771
Book / Page	9783 / 771
Instrument Date	Dec 1, 2020
Instrument	2020142079
Transaction Type	Transfer
Record Updated	Dec 22, 2021
Title Company	FIRST SIGNATURE TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,725.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1362 AUGUSTA NATIONAL BLVD, 1362, WINTER SPRINGS, FL 32708-4230

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	435 CLARK ST, OVIEDO, FL 32765-6770

Mortgage

Document Number	0009783773
Date	Dec 9, 2020
Instrument	9783/773

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 435 Clark St was $7,292 with a homeowner's exemption.

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	$7,292.00 Homeowner's exemption	$463,860	$648,133 Land $140,400 Building $507,733
2023	$6,379.00 (+2.62%) Homeowner's exemption	$437,657 (+3%)	$615,029 (+2.05%) Land $137,160 Building $477,869
2022	$6,216.00 Homeowner's exemption	$424,910	$602,678 Land $129,600 Building $473,078

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

Flood

FEMA maps place 435 Clark St in Zone X, an area of minimal flood risk.

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 16 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	16 in force

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 435 Clark St is moderate, ranking above 45% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.09% 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	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 82 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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