Seminole County property record for 474 Lagoon Dr, Oviedo, FL 32765
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,136 sqft · built 1989 |
| Lot Size | 0.263 acres (11,472 sqft) |
| Owner | Individual Name on File |
| Last Sale | $250,000 (May 2017) |
| Tax Bill | $3,561 (2025) |
| Deeds & Mortgages | Apr 2020 Mortgage May 2017 Sale & Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-21-31-509-0000-1730 |
| Primary APN | 27-21-31-509-0000-1730 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,136 sqft Living Area |
| 1st Floor Area | 2,000 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1989 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 11,472 sqft |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 1 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 166 sqft |
| Patio Area | 561 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 474 LAGOON DR |
|---|---|
| City | OVIEDO |
| State | FL |
| Zip | 32765-6205 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 173 STILLWATER PH 2 PB 36 PGS 93 TO99 |
| Legal Range | 31E |
| Legal Township | 21S |
| Legal Section | 27 |
| Legal Subdivision | STILLWATER |
| Legal Tract | 509 |
| Legal Lot Number | 173 |
| Jurisdiction | SEMINOLE FL |
| Township / Civil Division | OVIEDO |
| Census Block Group | 3 |
| Census Block | 3022 |
| Census Tract | 21320 |
474 Lagoon Dr is owned and occupied by an individual who bought it in May 2017.
Source: Seminole County records, as of December 5, 2025
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 |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 474 LAGOON DR, OVIEDO, FL 32765-6205 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 11, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TRUSTCO BK |
| May 12, 2017 | Warranty Deed, Transfer · Line of Credit TRUSTCO BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 12, 2017 · Amount on File |
| Deed Sale | May 12, 2017 · Amount on File |
| Deed Document Number | 2017047468 |
| Deed Book / Page | 08912 / 0350 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 474 LAGOON DR, OVIEDO, FL 32765-6205 |
| Document Number | 0095840200 |
| Instrument Date | Apr 11, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 8, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 474 LAGOON DR OVIEDO FL 327656205, OVIEDO, FL 32765-6205 |
| Document Number | 0095840200 |
|---|---|
| Date | Apr 20, 2020 |
| Book Page | 009584/000200 |
| Instrument | 41559 |
| Name | TRUSTCO BK |
|---|---|
| Type | Bank |
| Address | LONGWOOD, FL 32750 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 19, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | May 12, 2017 |
| Property Address | 474 LAGOON DR, OVIEDO, FL 32765-6205 |
| Document Number | 0089120350 |
| Book / Page | 08912 / 0350 |
| Map Reference | MB36 PG93-99 |
| Instrument Date | May 8, 2017 |
| Instrument | 2017047468 |
| Transaction Type | Transfer |
| Record Updated | Dec 22, 2021 |
| Title Company | LEADING EDGE TITLE PARTNERS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,750.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 370 GARDEN EDGE PT UNIT 100, 370, FERN PARK, FL 32730-2867 |
| Name | Verified Name |
|---|---|
| Address | 474 LAGOON DR, OVIEDO, FL 32765-6205 |
| Document Number | 2017047469 |
|---|---|
| Date | May 12, 2017 |
| Instrument | 2017047469 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 474 Lagoon Dr was $3,561 with a homeowner's exemption.
Source: Seminole County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Seminole County |
| Unified School District | Seminole County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,561.00 Homeowner's exemption | $292,743 | $434,926 Land $115,000 Building $319,926 |
| 2023 | $3,499.00 (+2.58%) Homeowner's exemption | $276,207 (+3%) | $409,464 (+7.96%) Land $110,000 Building $299,464 |
| 2022 | $3,411.00 Homeowner's exemption | $268,162 | $379,263 Land $100,000 Building $279,263 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 474 Lagoon Dr in Zone X, an area of minimal flood risk, though there have been 4 flood claims 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 54 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 54 in force |
| Nearby Flood Claims | 4 (2017–2022) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
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 474 Lagoon Dr is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
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 | SEMINOLE COUNTY SOUTHEAST serves 70,040 people · EPA ID FL3590571 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2024 |
| Lead | 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 326 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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