455 E Franklin St, Oviedo, FL 32765 Property Records

Seminole County property record for 455 E Franklin St, Oviedo, FL 32765

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,680 sqft · built 2019
Lot Size	0.618 acres (26,910 sqft)
Owner	2 Company Names on Record
Last Sale	$73,000 (Dec 2018)
Tax Bill	$3,493 (2025)
Deeds & Mortgages	Sep 2025 Transfer Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10-21-31-300-0580-0000`

Property Details

APN / Parcel Number

Primary APN	`10-21-31-300-0580-0000`
Alternative APN	`21311030005800000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,680 sqft Living Area
1st Floor Area	1,680 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	26,910 sqft (0.618 acres)
Lot Dimensions	345 ft deep x 78 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Solar

Location & Zoning

Street Address	455 E FRANKLIN ST
City	OVIEDO
State	FL
Zip	32765-6780
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SEC 10 TWP 21S RGE 31E BEG 76 YD W OF SE COR OF NW 1/4 OF SE 1/4 RUN N 115 YD W 26.3 YD S 115 YD E TO BEG (LESS S 25 FT FOR RD)
Legal Range	31E
Legal Township	21S
Legal Section	10
Legal Subdivision	ACREAGE & UNREC
Legal Tract	300
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	1
Census Block	1027
Census Tract	21311

Owner

Source: Seminole County records, as of December 29, 2025

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

Owner of Record	2 Company Names on Record
Mailing Address	455 E FRANKLIN ST, OVIEDO, FL 32765-6780
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 5, 2025	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Sep 1, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Nov 21, 2019	Loan Modification, Mortgage · Conventional Mortgage AMERICAN FIN'L RSRCS
Dec 20, 2018	Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL RESOURCES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2018 · Amount on Record
Deed Sale	Dec 20, 2018 · Amount on Record
Prior Sale	Mar 11, 2014 · Amount on Record
Deed Document Number	2018143171
Deed Book / Page	9270 / 243
Last Transfer Date	Jul 25, 2025
Transfer Doc	0108921016
Record Updated	Oct 29, 2026

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SEMINOLE FL
Recording Date	Sep 5, 2025
Property Address	455 E FRANKLIN ST, OVIEDO, FL 32765-6780
Document Number	0108921016
Book / Page	10892 / 1016
Instrument Date	Jul 25, 2025
Instrument	2025087952
Transaction Type	Transfer
Record Updated	Sep 26, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	455 E FRANKLIN ST, OVIEDO, FL 32765-6780

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	455 E FRANKLIN ST, OVIEDO, FL 32765-6780

September 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SEMINOLE FL
Recording Date	Sep 1, 2020
Property Address	455 E FRANKLIN ST, OVIEDO, FL 32765-6780
Document Number	0096930094
Book / Page	9693 / 94
Instrument Date	Aug 11, 2020
Instrument	2020096441
Transaction Type	Transfer
Record Updated	Dec 22, 2021
Title Company	FIRST INTERNATIONAL TTL INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	455 E FRANKLIN ST, OVIEDO, FL 32765-6780

Mortgage

Document Number	0000969398
Date	Sep 1, 2020
Instrument	9693/98

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

November 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SEMINOLE FL
Property Address	455 E FRANKLIN ST, OVIEDO, FL 32765-6780
Document Number	0095001034
Instrument Date	Nov 21, 2019
Transaction Type	Mortgage
Record Updated	Jan 7, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	455 E FRANKLIN ST OVIEDO FL 32765, OVIEDO, FL 32765

Mortgage

Document Number	0095001034
Date	Dec 17, 2019
Book Page	009500/001034
Instrument	136995

Lender

Name	AMERICAN FIN'L RSRCS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 16, 2049

Interest

Rate	5.87%

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Dec 20, 2018
Property Address	455 E FRANKLIN ST, OVIEDO, FL 32765-6780
Document Number	0092700243
Book / Page	09270 / 0243
Instrument Date	Dec 14, 2018
Instrument	2018143171
Transaction Type	Transfer
Record Updated	Dec 22, 2021
Title Company	FIRST INTL TITLE INC

Transaction

Amount	Amount Recorded
Tax	$511.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1109 LAUREL OAKS CT, 1109, OVIEDO, FL 32765-6439

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1109 LAUREL OAKS CT, OVIEDO, FL 32765-6439

Mortgage

Document Number	2018143172
Date	Dec 20, 2018
Instrument	2018143172

Lender

Name	AMERICAN FINANCIAL RESOURCES INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	369 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

Source: Seminole County assessment roll, as of December 29, 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	$3,493.00 (+5.34%)	$246,253 (+2.9%)	$354,235 (+1.35%) Land $152,958 Building $201,277
2024	$3,316.00 (+6.52%) Homeowner's exemption	$239,313 (+3%)	$349,505 (+1.96%) Land $152,958 Building $196,547
2023	$3,113.00 (+2.91%) Homeowner's exemption	$232,343 (+3%)	$342,780 (+22.31%) Land $152,958 Building $189,822
2022	$3,025.00 Homeowner's exemption	$225,576	$280,255 Land $92,352 Building $187,903

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 100 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	100 in force
Nearby Flood Claims	20 (2001–2024)
Claims Outside the SFHA	15 of 20
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 4 claims Hurricane Ian, Sep 2022 · 6 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 62% of the US · lower than 88% of Florida
Wildfire Likelihood	0.05% 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 166 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

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