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

Seminole County property record for 451 E 3rd St, Chuluota, FL 32766 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,713 sqft · built 1958
Lot Size0.258 acres (11,250 sqft)
OwnerIndividual Name on File
Last Sale$210,000 (Apr 2024)
Tax Bill$3,033 (2025)
Deeds & MortgagesApr 2024 Sale & Mortgage
Nov 2021 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN21-21-32-5CF-2000-0140

Property Details

APN / Parcel Number

Primary APN21-21-32-5CF-2000-0140
Alternative APN
  • 2132215CF20000140

Interior

Bedrooms3 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,713 sqft Living Area
1st Floor Area1,431 sqft
FlooringCarpet
Interior WallsPlaster

Exterior

Year BuiltBuilt 1958
Effective Year BuiltEffective 1958
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialTar & Gravel
Lot Area11,250 sqft (0.258 acres)
Lot Dimensions150 ft deep x 75 ft wide
PorchFlorida Room
Porch Area432 sqft
Utility Building42 sqft

Utilities, Heating & Cooling

Cooling SystemWall Unit
Heating SystemFloor/Wall Furnace

Location & Zoning

Street Address451 E 3RD ST
CityCHULUOTA
StateFL
Zip32766-8572
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 14 BLK 20 NORTH CHULUOTA PB 2 PG 54 TO 58
Legal Range32E
Legal Township21S
Legal Section21
Legal SubdivisionNORTH CHULUOTA
Legal Tract5CF
Legal Block20
Legal Lot Number14
JurisdictionSEMINOLE FL
Township / Civil DivisionOVIEDO
Census Block Group2
Census Block2027
Census Tract21205

Owner

Source: Seminole County records · APN 21-21-32-5CF-2000-0140

Assessment roll updated December 29, 2025 · Last verified August 2026

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

Owner of RecordIndividual Name on File
Mailing Address819 HARMONY LN, CHULUOTA, FL 32766-9585
Owner TypeIndividual
VestingMarried Man, Separate Property

Deeds, Mortgages & Sale History

DateDocument
Apr 19, 2024Warranty Deed, Transfer · Conventional Mortgage
HOMEXPRESS MORTGAGE CORP
Nov 13, 2021Deed of Trust, Mortgage · Balloon Mortgage
FRED RALPH PANDO
Oct 25, 2021Quit Claim Deed, Transfer
TRADITION TITLE AGENCY LLC, TRADITION T&E LLC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleApr 19, 2024 · Amount on Record
Deed SaleApr 19, 2024 · Amount on Record
Prior SaleOct 25, 2021 · Amount on Record
Deed Document Number202435021
Deed Book / Page10615 / 901
Prior Transfer DateOct 15, 2021
Prior Transfer Doc0000140473
Record UpdatedSep 20, 2026

April 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSEMINOLE FL
Recording DateApr 19, 2024
Property Address451 E 3RD ST, CHULUOTA, FL 32766-8572
Document Number0106150901
Book / Page10615 / 901
Map ReferenceMB 2 PG 54
Instrument DateApr 18, 2024
Instrument2024035021
Transaction TypeTransfer
Record UpdatedMay 06, 2024
Title CompanyTRADITIONS T&E LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,470.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address451 E 3RD ST, CHULUOTA, FL 32766-8572

Transferred To (Grantee/Buyer)

NameVerified Name
Address819 HARMONY LN, CHULUOTA, FL 32766-9585

Mortgage

Document Number0106150903
DateApr 19, 2024
Book Page10615/903
Instrument2024035022
Lender
NameHOMEXPRESS MORTGAGE CORP
TypeMortgage Company
AddressSANTA ANA, CA 92705
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2054

November 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSEMINOLE FL
Property Address451 E 3RD ST, CHULUOTA, FL 32766-8572
Transaction TypeMortgage
Record UpdatedNov 25, 2021
Title CompanyTRADITIONS TITLE AND ESCROW LLC, TRADITIONS TITLE & ESCROW

Transferred To (Grantee/Buyer)

NameVerified Name
Address451 E 3ST, CHULUOTA, FL 32766-8572

Mortgage

Document Number0100941895
DateNov 13, 2021
Book Page10094/1895
Instrument2021149024
Lender
NameFRED RALPH PANDO
TypePrivate Party
Address18108 DEMKO RD, ALTOONA, FL 32702
Agreement
TypeBalloon Mortgage
AmountAmount Recorded

October 2021: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSEMINOLE FL
Recording DateOct 25, 2021
Property Address451 E 3RD ST, CHULUOTA, FL 32766-8572
Document Number0100781167
Book / Page10078 / 1167
Map ReferenceMB 2 PG 54-58
Instrument DateOct 15, 2021
Instrument2021140473
Transaction TypeTransfer
Record UpdatedNov 04, 2021
Title CompanyTRADITION TITLE AGENCY LLC, TRADITION T&E LLC

Transaction

AmountAmount Recorded
Tax$70.00
Amount AccuracyRounded by County
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address451 E 3RD ST, 451, CHULUOTA, FL 32766-8572

Transferred To (Grantee/Buyer)

NameVerified Name
Address451 E 3RD ST, CHULUOTA, FL 32766-8572

Tax Assessment & Valuation

Source: Seminole County records · Assessment roll updated December 29, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateFlorida
CountySeminole County
Unified School DistrictSeminole County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$3,033.00 (+48.02%)$196,840 (+16.17%) Land $92,700 Building $104,140$196,840 (+16.17%) Land $92,700 Building $104,140
2023$2,049.00 (+1.79%) Homeowner's exemption$169,441 (+2.04%)$169,441 (-1.65%) Land $69,525 Building $99,916
2022$2,013.00 Homeowner's exemption$166,054$172,284 Land $73,388 Building $98,896

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Seminole County (12117C), updated November 27, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121170212052, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 19 individual NFIP policies nearby
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies19 in force
Nearby Flood Claims3 (2022–2024)
Claims Outside the SFHA3 of 3
Most Recent ClaimOct 2024, rainfall accumulation, Hurricane Milton

Wildfire

Wildfire RiskModerate
above 43% of the US · above 14% of Florida
Wildfire LikelihoodAbout 1 in 1,299 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 319 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber1,000 / 1,000
SpectrumCable1,000 / 35
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: AT&T, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

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