439 Bentley St, Oviedo, FL 32765 Property Records

Seminole County property record for 439 Bentley St, Oviedo, FL 32765

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,982 sqft · built 1994
Lot Size	0.212 acres (9,259 sqft)
Owner	2 Individual Names on Record
Last Sale	$345,000 (Jan 2018)
Tax Bill	$4,547 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Jan 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-21-31-514-0000-0110`

Property Details

APN / Parcel Number

Primary APN	`09-21-31-514-0000-0110`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,982 sqft Living Area
1st Floor Area	1,982 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	9,259 sqft
Garage Area	412 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	432 sqft
Patio Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	439 BENTLEY ST
City	OVIEDO
State	FL
Zip	32765-8166
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11 BENTLEY WOODS PB 41 PGS 79 TO 82
Legal Range	31E
Legal Township	21S
Legal Section	09
Legal Subdivision	BENTLEY WOODS
Legal Tract	514
Legal Lot Number	11
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	1
Census Block	1034
Census Tract	21313

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	439 BENTLEY ST, OVIEDO, FL 32765-8166
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Jan 16, 2018	Warranty Deed, Transfer · Conventional Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 16, 2018 · Amount on Record
Deed Sale	Jan 16, 2018 · Amount on Record
Prior Sale	Feb 1, 1996 · Amount on Record
Deed Document Number	2018005038
Deed Book / Page	009058 / 000201
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	439 BENTLEY ST, OVIEDO, FL 32765-8166
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0095820500
Date	Apr 16, 2020
Book Page	9582/500
Instrument	2020040687

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Jan 16, 2018
Property Address	439 BENTLEY ST, OVIEDO, FL 32765-8166
Document Number	0090580201
Book / Page	009058 / 000201
Instrument Date	Jan 8, 2018
Instrument	5038
Transaction Type	Transfer
Record Updated	Jan 30, 2018
Title Company	LEADING EDGE TITLE PARTNERS/CTRL F

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,415.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	439 BENTLEY ST OVIEDO FL 327658166, OVIEDO, FL 32765-8166

Mortgage

Document Number	90580203
Date	Jan 16, 2018
Book Page	009058/000203
Instrument	5039

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 15, 2048

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	$4,547.00 (+13.9%) Homeowner's exemption	$304,867 (+5.99%)	$433,568 (+9.34%) Land $125,000 Building $308,568
2023	$3,992.00 (+2.78%) Homeowner's exemption	$287,646 (+3%)	$396,549 (+3.48%) Land $115,000 Building $281,549
2022	$3,884.00 Homeowner's exemption	$279,268	$383,216 Land $105,000 Building $278,216

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

Flood

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 Record median of 61 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	61 in force
Nearby Flood Claims	40 (1992–2024)
Claims Outside the SFHA	9 of 40
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Ian, Oct 2022 · 5 claims Tropical Storm Fay, Sep 2008 · 13 claims Hurricane Frances, Sep 2004 · 8 claims

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

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

Wildfire Risk	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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 223 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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