Seminole County property record for 446 Opal Ct, Altamonte Springs, FL 32714
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,765 sqft · built 1995 |
| Lot Size | 0.098 acres (4,275 sqft) |
| Owner | Individual Name on File |
| Last Sale | $25,000 (Jun 1994) |
| Tax Bill | $1,697 (2025) |
| Deeds & Mortgages | Sep 2023 Reverse Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-21-29-528-0000-0170 |
| Primary APN | 17-21-29-528-0000-0170 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 1,765 sqft Living Area |
| Gross Area | 2,126 sqft |
| 1st Floor Area | 1,303 sqft |
| Upper Floors Area | 462 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 4,275 sqft (0.098 acres) |
| Garage Type | Attached |
| Garage Area | 361 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 35 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 446 OPAL CT |
|---|---|
| City | ALTAMONTE SPRINGS |
| State | FL |
| Zip | 32714-5403 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUDMO |
| Legal Description | LOT 17 PEARL LAKE VILLAS REPLAT PB 47 PG 59 |
| Legal Range | 29E |
| Legal Township | 21S |
| Legal Section | 17 |
| Legal Subdivision | PEARL LAKE VILLAS REPLAT |
| Legal Tract | 528 |
| Legal Lot Number | 17 |
| Jurisdiction | SEMINOLE FL |
| Township / Civil Division | CASSELBERRY-ALTAMONTE SPRINGS |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 21708 |
446 Opal Ct is owned and occupied by an individual who bought it in June 1994.
Source: Seminole County records, as of March 27, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 446 OPAL CT, ALTAMONTE SPRINGS, FL 32714-5403 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 14, 1994 · Amount on File |
| Deed Sale | Jun 14, 1994 · Amount on File |
| Deed Book / Page | 2785 / 1167 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 446 OPAL CT, ALTAMONTE SPRINGS, FL 32714-5403 |
| Transaction Type | Mortgage |
| Record Updated | Dec 8, 2025 |
| Name | Verified Name |
|---|---|
| Address | 446 OPAL CT, ALTAMONTE SPRINGS, FL 32714-5403 |
| Document Number | 0105040095 |
|---|---|
| Date | Sep 8, 2023 |
| Book Page | 10504/95 |
| Instrument | 2023083280 |
| Name | FINANCE OF AMERICA REVERSE LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Address | TULSA, OK 74133 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 937 Months |
| Due | Oct 25, 2101 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.65% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Oct 1, 2023 |
| Change Frequency | Monthly |
| Index | 1-Year T-Bill |
| Max Rate | 11.6% |
The 2025 property tax bill for 446 Opal Ct was $1,697 with exemptions applied.
Source: Seminole County assessment roll, as of December 29, 2025
| Type | Name |
|---|---|
| State | Florida |
| Municipality | Altamonte Springs City |
| County | Seminole County |
| Unified School District | Seminole County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,697.00 Homeowner's exemption Widower's exemption | $144,672 | $319,080 Land $80,000 Building $239,080 |
| 2023 | $1,462.00 (-1.81%) Homeowner's exemption | $136,500 (+3%) | $305,761 (+0.75%) Land $80,000 Building $225,761 |
| 2022 | $1,489.00 Homeowner's exemption | $132,524 | $303,485 Land $80,000 Building $223,485 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 446 Opal Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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 Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 12 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 1 (2017) |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
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 risk around 446 Opal Ct is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ALTAMONTE SPRINGS WATER DEPT (2 WPS) serves 51,000 people · EPA ID FL3590026 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2026 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 319 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| WOW Internet, Cable & Phone Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
May also be available: AT&T.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures