4865 Echo Ct, Oviedo, FL 32765 Property Records

Seminole County property record for 4865 Echo Ct, Oviedo, FL 32765 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,228 sqft · built 2019
Owner	Individual Name on File
Last Sale	$511,250 (May 2019)
Tax Bill	$6,333 (2025)
Deeds & Mortgages	Jun 2021 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`36-21-30-5VD-0000-0290`

Property Details

APN / Parcel Number

Primary APN	`36-21-30-5VD-0000-0290`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	3,228 sqft Living Area
1st Floor Area	1,535 sqft
2nd Floor Area	1,693 sqft
Upper Floors Area	1,693 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	333 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4865 ECHO CT
City	OVIEDO
State	FL
Zip	32765-5282
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 29 CLIFTON PARK PHASE II A REPLAT PLAT BOOK {82} PAGES {67-69}
Legal Range	30
Legal Township	21
Legal Section	36
Legal Subdivision	CLIFTON PARK
Legal Phase	2
Legal Lot Number	29
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	1
Census Block	1011
Census Tract	21318

Owner

Source: Seminole County records · APN 36-21-30-5VD-0000-0290

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of Record	Individual Name on File
Mailing Address	4865 ECHO CT, OVIEDO, FL 32765-5282
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 08, 2021	Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HOME LOANS INC
May 23, 2019	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FBC MORTGAGE LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 23, 2019 · Amount on Record
Deed Sale	May 23, 2019 · Amount on Record
Deed Document Number	2019054863
Deed Book / Page	09360 / 0376
Record Updated	Jun 08, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	4865 ECHO CT, OVIEDO, FL 32765-5282
Transaction Type	Mortgage
Record Updated	May 02, 2022
Title Company	ALL FLORIDA TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0099541508
Date	Jun 08, 2021
Book Page	9954/1508
Instrument	2021076399

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 01, 2036

May 2019: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	May 23, 2019
Property Address	4865 ECHO CT, OVIEDO, FL 32765-5282
Document Number	0093600376
Book / Page	09360 / 0376
Map Reference	MB 82 PG 67-69
Instrument Date	May 22, 2019
Instrument	2019054863
Transaction Type	Subdivision Related Transfer
Record Updated	May 02, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,579.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	151 SOUTHHALL LN STE 200, 151, MAITLAND, FL 32751-7172

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4865 ECHO CT, OVIEDO, FL 32765-5282

Mortgage

Document Number	0009360385
Date	May 23, 2019
Instrument	09360/385

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2049

Tax Assessment & Valuation

Source: Seminole County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Seminole County
Unified School District	Seminole 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,333.00 (+6.94%) Homeowner's exemption	$489,694 (+5.99%)	$640,566 (+4.82%) Land $132,000 Building $508,566
2023	$5,922.00 (+2.46%) Homeowner's exemption	$462,032 (+3%)	$611,084 (-1.81%) Land $132,000 Building $479,084
2022	$5,780.00 Homeowner's exemption	$448,575	$622,341 Land $130,000 Building $492,341

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 121170213181, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 31 individual NFIP policies nearby
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	31 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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 303 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

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

Mobile Coverage

5G and 4G LTE

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