4861 Echo Ct, Oviedo, FL 32765 Property Records

Seminole County property record for 4861 Echo Ct, Oviedo, FL 32765

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,215 sqft · built 2018
Owner	2 Individual Names on Record
Last Sale	$402,635 (Oct 2018)
Tax Bill	$3,943 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`36-21-30-5VD-0000-0280`

Property Details

APN / Parcel Number

Primary APN	`36-21-30-5VD-0000-0280`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	2,215 sqft Living Area
1st Floor Area	2,215 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	298 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4861 ECHO CT
City	OVIEDO
State	FL
Zip	32765-5282
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 28 CLIFTON PARK PHASE II A REPLAT PLAT BOOK {82} PAGES {67-69}
Legal Section	36
Legal Subdivision	CLIFTON PARK
Legal Phase	2
Legal Lot Number	28
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	1
Census Block	1011
Census Tract	21318

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	2 Individual Names on Record
Mailing Address	4861 ECHO CT, OVIEDO, FL 32765-5282
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2022	Deed of Trust, Mortgage · Conventional Mortgage FAIRWINDS CU
Mar 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS
Oct 8, 2018	Deed with Mortgage, Subdivision Related Transfer · Conventional with PMI CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 8, 2018 · Amount on Record
Deed Sale	Oct 8, 2018 · Amount on Record
Deed Document Number	2018115007
Deed Book / Page	09226 / 0524
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	4861 ECHO CT, OVIEDO, FL 32765-5282
Transaction Type	Mortgage
Record Updated	Mar 4, 2022
Title Company	MORTGAGE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4861 ECHO CT, OVIEDO, FL 32765-5282

Mortgage

Document Number	0101721297
Date	Feb 17, 2022
Book Page	10172/1297
Instrument	2022020637

Lender

Name	FAIRWINDS CU
Type	Credit Union
Address	ORLANDO, FL 32826

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2037

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	4861 ECHO CT, OVIEDO, FL 32765-5282
Document Number	0095731769
Instrument Date	Mar 26, 2020
Transaction Type	Mortgage
Record Updated	Jun 26, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4861 ECHO CT OVIEDO FL 327655282, OVIEDO, FL 32765-5282

Mortgage

Document Number	0095731769
Date	Apr 3, 2020
Book Page	009573/001769
Instrument	36716

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 2, 2035

October 2018: Deed with Mortgage, Subdivision Related Transfer

Document Type	Deed with Mortgage
Jurisdiction	SEMINOLE FL
Recording Date	Oct 8, 2018
Property Address	4861 ECHO CT, OVIEDO, FL 32765-5282
Document Number	0092260524
Book / Page	009226 / 000524
Instrument Date	Sep 28, 2018
Instrument	115008
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 22, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,818.44
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	4861 ECHO CT OVIEDO FL 32765, OVIEDO, FL 32765

Mortgage

Document Number	92260526
Date	Oct 8, 2018
Book Page	009226/000526
Instrument	115008

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 7, 2048

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	$3,943.00 (+4.04%) Homeowner's exemption	$319,866 (+5.99%)	$501,746 (-0.08%) Land $132,000 Building $369,746
2023	$3,790.00 (+2.6%) Homeowner's exemption	$301,797 (+3%)	$502,140 (+0.11%) Land $132,000 Building $370,140
2022	$3,694.00 Homeowner's exemption	$293,007	$501,582 Land $130,000 Building $371,582

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 31 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	31 in force

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 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 303 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
Starlink Satellite	280 / 30

May also be available: AT&T, CenturyLink, Metronet, Xfinity.

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