440 E 3rd St, Chuluota (Oviedo), FL 32766 Property Records

Seminole County property record for 440 E 3rd St, Chuluota, FL 32766

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,164 sqft · built 1959
Lot Size	0.258 acres (11,250 sqft)
Owner	Individual Name on Record
Last Sale	$325,000 (Sep 2023)
Tax Bill	$3,058 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Jul 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`21-21-32-5CF-3200-0040`

Property Details

APN / Parcel Number

Primary APN	`21-21-32-5CF-3200-0040`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	1,164 sqft Living Area
1st Floor Area	840 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1979
Exterior Material	Stucco
Construction Type	Concrete Block
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

Exterior Amenities

Pool Area	1 sqft
Porch	Porch
Porch Area	432 sqft
Patio Area	350 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	440 E 3RD ST
City	CHULUOTA
State	FL
Zip	32766-8571
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 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	4
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	2
Census Block	2010
Census Tract	21205

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	440 E 3RD ST, CHULUOTA, FL 32766-8571
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2023	Warranty Deed, Transfer · FHA Mortgage THE MORTGAGE FIRM INC
Jul 10, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Oct 1, 2020	Warranty Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE
Feb 17, 2017	Warranty Deed, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2023 · Amount on Record
Deed Sale	Sep 29, 2023 · Amount on Record
Prior Sale	Oct 1, 2020 · Amount on Record
Deed Document Number	0010515520
Deed Book / Page	10515 / 520
Record Updated	Jun 8, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Sep 29, 2023
Property Address	440 E 3RD ST, CHULUOTA, FL 32766-8571
Document Number	0105150520
Book / Page	10515 / 520
Map Reference	MB 2 PG 54
Instrument Date	Sep 29, 2023
Instrument	2023090492
Transaction Type	Transfer
Record Updated	Oct 13, 2023
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,275.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7015 CANDY MOUNTAIN RD, MURPHY, NC 28906-1987

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 E 3RD ST, CHULUOTA, FL 32766-8571

Mortgage

Document Number	0010515522
Date	Sep 29, 2023
Instrument	10515/522

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	440 E 3RD ST, CHULUOTA, FL 32766-8571
Transaction Type	Mortgage
Record Updated	Jul 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 E 3RD ST, CHULUOTA, FL 32766-8571

Mortgage

Document Number	0104700296
Date	Jul 10, 2023
Book Page	10470/296
Instrument	2023062791

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	327 Months
Due	Oct 1, 2050

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Oct 1, 2020
Property Address	440 E 3RD ST, CHULUOTA, FL 32766-8571
Document Number	0097200888
Book / Page	9720 / 888
Map Reference	MB 2 PG 54
Instrument Date	Sep 21, 2020
Instrument	2020110222
Transaction Type	Transfer
Record Updated	Dec 22, 2021
Title Company	PREMIER TITLE OF CTRL FL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,253.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	32061 PINFELD DR, 32061, WESLEY CHAPEL, FL 33543-8100

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 E 3RD ST, CHULUOTA, FL 32766-8571

Mortgage

Document Number	0009720890
Date	Oct 1, 2020
Instrument	9720/890

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Feb 17, 2017
Property Address	440 E 3RD ST, CHULUOTA, FL 32766-8571
Document Number	0088631061
Book / Page	008863 / 001061
Instrument Date	Feb 16, 2017
Instrument	17144
Transaction Type	Transfer
Record Updated	Mar 2, 2017
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Tax	$528.71
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2456 E ROCKVIEW DR SANDY UT 840924164, SANDY, UT 84092-4164

Tax Assessment & Valuation

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	$3,058.00 (+79.78%) Homeowner's exemption	$266,463 (+86.03%)	$266,463 (+52.88%) Land $92,700 Building $173,763
2023	$1,701.00 (+3.03%) Homeowner's exemption	$143,235 (+3%)	$174,291 (-1.57%) Land $69,525 Building $104,766
2022	$1,651.00 Homeowner's exemption	$139,063	$177,072 Land $73,388 Building $103,684

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

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 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

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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