528 Oak St, Oviedo, FL 32765 Property Records

Seminole County property record for 528 Oak St, Oviedo, FL 32765

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,036 sqft · built 2020
Lot Size	0.329 acres (14,336 sqft)
Owner	2 Company Names on File
Last Sale	$80,000 (Jun 2019)
Tax Bill	$4,391 (2025)
Deeds & Mortgages	Sep 2020 Loan Modification Jan 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-21-31-511-0C00-0090`

Property Details

APN / Parcel Number

Primary APN	`15-21-31-511-0C00-0090`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	2,036 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Combination
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	14,336 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	528 OAK ST
City	OVIEDO
State	FL
Zip	32765-6238
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 9 & 10 (LESS N 5 FT OF LOT 9) BLK C & W 1/2 OF VACD ALLEY ADJ ON E OVIEDO HEIGHTS PB 4 PG 4
Legal Range	31E
Legal Township	21S
Legal Section	15
Legal Subdivision	OVIEDO HEIGHTS
Legal Tract	511
Legal Block	C
Legal Lot Number	9-10 10
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	1
Census Block	1027
Census Tract	21312

Owner

528 Oak St is owned by a company that bought it in June 2019 and is owner-occupied.

Source: Seminole County records, as of December 5, 2025

Owner of Record	2 Company Names on File
Mailing Address	528 OAK ST, OVIEDO, FL 32765-6238
Occupancy	Owner Occupied
Owner Type	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2020	Loan Modification, Mortgage · Conventional Mortgage CITIZENS BK/FL
Jan 13, 2020	Deed of Trust, Construction Loan · Line of Credit CITIZENS BK/FL
Jun 14, 2019	Warranty Deed, Transfer CELEBRATION TITLE GROUP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 14, 2019 · Amount on File
Deed Sale	Jun 14, 2019 · Amount on File
Prior Sale	Mar 15, 2007
Deed Document Number	2019063566
Deed Book / Page	09374 / 0905
Record Updated	Jun 8, 2026

September 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SEMINOLE FL
Property Address	528 OAK ST, OVIEDO, FL 32765-6238
Document Number	0097071693
Instrument Date	Sep 17, 2020
Transaction Type	Mortgage
Record Updated	Oct 5, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	528 OAK ST GENEVA FL 32732, GENEVA, FL 32732

Mortgage

Document Number	0097071693
Date	Sep 17, 2020
Book Page	009707/001693
Instrument	104035

Lender

Name	CITIZENS BK/FL
Type	Bank
Address	OVIEDO, FL 32765

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 16, 2050

Interest

Rate	3.12%

January 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Recording Date	Jan 13, 2020
Property Address	528 OAK ST, OVIEDO, FL 32765-6238
Document Number	0095170776
Book / Page	009517 / 000776
Instrument Date	Jan 13, 2020
Instrument	4268
Transaction Type	Construction Loan
Record Updated	Jan 31, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1716 CARILLON PARK DR OVIEDO FL 327655130, OVIEDO, FL 32765-5130

Mortgage

Document Number	95170776
Date	Jan 13, 2020
Book Page	009517/000776
Instrument	4268

Lender

Name	CITIZENS BK/FL
Type	Bank
Address	OVIEDO, FL 32765

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Jan 12, 2021

Interest

Rate Type	Adjustable Rate

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Jun 14, 2019
Property Address	528 OAK ST, OVIEDO, FL 32765-6238
Document Number	0093740905
Book / Page	009374 / 000905
Instrument Date	May 22, 2019
Instrument	63566
Transaction Type	Transfer
Record Updated	Jul 1, 2019
Title Company	CELEBRATION TITLE GROUP

Transaction

Amount	Amount on Record
Tax	$560.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1716 CARILLON PARK DR OVIEDO FL 327655130, OVIEDO, FL 32765-5130

Tax Assessment & Valuation

The 2025 property tax bill for 528 Oak St was $4,391 with a homeowner's exemption.

Source: Seminole County assessment roll, as of July 1, 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	$4,391.00 Homeowner's exemption	$295,856	$517,159 Land $80,000 Building $437,159
2023	$3,569.00 (+2.82%) Homeowner's exemption	$261,043 (+3%)	$473,996 (+14.42%) Land $80,000 Building $393,996
2022	$3,471.00 Homeowner's exemption	$253,440	$414,250 Land $80,000 Building $334,250

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 528 Oak St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File median of 51 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	51 in force
Nearby Flood Claims	2 (2004–2022)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2022 · Hurricane Ian

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

Wildfire risk around 528 Oak St 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 65% of the US · lower than 91% 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.

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 423 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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