Seminole County property record for 522 Lagoon Dr, Oviedo, FL 32765
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,290 sqft · built 1987 |
| Lot Size | 0.363 acres (15,822 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $550,000 (Mar 2026) |
| Tax Bill | $2,577 (2025) |
| Deeds & Mortgages | Jan 2025 Line of Credit Jul 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-21-31-509-0000-1690 |
| Primary APN | 27-21-31-509-0000-1690 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,290 sqft Living Area |
| Gross Area | 2,796 sqft |
| 1st Floor Area | 2,290 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 15,822 sqft (0.363 acres) |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 1 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 278 sqft |
| Patio Area | 1 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 522 LAGOON DR |
|---|---|
| City | OVIEDO |
| State | FL |
| Zip | 32765-6205 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1AA |
| Legal Description | LOT 169 (LESS RD) STILLWATER PH 2 PB 36 PGS 93 TO99 |
| Legal Range | 31E |
| Legal Township | 21S |
| Legal Section | 27 |
| Legal Subdivision | STILLWATER PH 2 |
| Legal Tract | 509 |
| Legal Lot Number | 169 |
| Jurisdiction | SEMINOLE FL |
| Township / Civil Division | OVIEDO |
| Census Block Group | 3 |
| Census Block | 3022 |
| Census Tract | 21320 |
Source: Seminole County records, as of March 24, 2026
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 | 522 LAGOON DR, OVIEDO, FL 32765-6205 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
| Date | Document |
|---|---|
| Jan 9, 2025 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Jul 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Mar 10, 2026 | Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC |
| Nov 13, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 10, 2026 · Amount on Record |
| Deed Sale | Mar 10, 2026 · Amount on Record |
| Prior Sale | Nov 1, 1987 · Amount on Record |
| Deed Document Number | 202623240 |
| Deed Book / Page | 10996 / 1011 |
| Prior Transfer Date | Oct 12, 2020 |
| Prior Transfer Doc | 0097601394 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 522 LAGOON DR, OVIEDO, FL 32765-6205 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2026 |
| Name | Verified Name |
|---|---|
| Address | 522 LAGOON DR, OVIEDO, FL 32765-6205 |
| Document Number | 0107550030 |
|---|---|
| Date | Jan 9, 2025 |
| Book Page | 10755/30 |
| Instrument | 2025002388 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 2, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 522 LAGOON DR, OVIEDO, FL 32765-6205 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2026 |
| Name | Verified Name |
|---|---|
| Address | 522 LAGOON DR, OVIEDO, FL 32765-6205 |
| Document Number | 0099970710 |
|---|---|
| Date | Jul 26, 2021 |
| Book Page | 9997/710 |
| Instrument | 2021098451 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | May 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Mar 10, 2026 |
| Property Address | 522 LAGOON DR, OVIEDO, FL 32765-6205 |
| Document Number | 0109961011 |
| Book / Page | 10996 / 1011 |
| Map Reference | MB 36 PG 93-99 |
| Instrument Date | Mar 3, 2026 |
| Instrument | 2026023240 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2026 |
| Title Company | LEADING EDGE TITLE PARTNERS/CTRL F, LEADING EDGE TTL OF CTRL FL |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,850.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 525 W 28TH ST # ST832, ST832, NEW YORK, NY 10001-6611 |
| Name | Verified Name |
|---|---|
| Address | 522 LAGOON DR, OVIEDO, FL 32765-6205 |
| Document Number | 0109961013 |
|---|---|
| Date | Mar 10, 2026 |
| Instrument | 10996/1013 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Nov 13, 2020 |
| Property Address | 522 LAGOON DR, OVIEDO, FL 32765-6205 |
| Document Number | 0097601394 |
| Book / Page | 009760 / 001394 |
| Instrument Date | Oct 12, 2020 |
| Instrument | 130651 |
| Transaction Type | Transfer |
| Record Updated | Nov 24, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 522 LAGOON DR OVIEDO FL 327656205, OVIEDO, FL 32765-6205 |
Source: Seminole County assessment roll, as of December 29, 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 | $2,577.00 (+10.55%) Homeowner's exemption Widower's exemption | $205,034 (+5.99%) | $457,726 (+6.45%) Land $115,000 Building $342,726 |
| 2023 | $2,331.00 (+0.17%) Homeowner's exemption | $193,452 (+3%) | $429,979 (+8.06%) Land $110,000 Building $319,979 |
| 2022 | $2,327.00 Homeowner's exemption | $187,817 | $397,890 Land $100,000 Building $297,890 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 Record 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.
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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