577 Oak St, Oviedo, FL 32765 Property Records

Seminole County property record for 577 Oak St, Oviedo, FL 32765

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,320 sqft · built 1987
Lot Size	0.224 acres (9,779 sqft)
Owner	Company Name on Record
Tax Bill	$4,916 (2025)
Deeds & Mortgages	Sep 2018 Loan Modification Aug 2018 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-21-31-512-0B00-0140`

Property Details

APN / Parcel Number

Primary APN	`15-21-31-512-0B00-0140`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,320 sqft Living Area
1st Floor Area	1,320 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,779 sqft
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	577 OAK ST
City	OVIEDO
State	FL
Zip	32765-6237
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 14 (LESS N 10 FT) & ALL LOTS 15 & 16 & N 15 FT OF LOT 17 BLK B SOUTH PARK OVIEDO PB 6 PG 4
Legal Range	31E
Legal Township	21S
Legal Section	15
Legal Subdivision	SOUTH PARK OVIEDO
Legal Tract	512
Legal Block	B
Legal Lot Number	14-17 16
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	1
Census Block	1027
Census Tract	21312

Owner

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	Company Name on Record
Mailing Address	PO BOX 4900, SCOTTSDALE, AZ 85261-4900
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2018	Loan Modification, Mortgage · Line of Credit GERMAN AMERICAN CAP
Aug 7, 2018	Loan Modification, Mortgage · Line of Credit GERMAN AMERICAN CAP
Jul 12, 2018	Quit Claim Deed, Transfer OS NATIONAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2018
Deed Sale	Jun 1, 2018
Prior Sale	Aug 6, 1996 · Amount on Record
Deed Document Number	0091701644
Deed Book / Page	03112 / 00027
Prior Transfer Date	Jul 21, 2015
Prior Transfer Doc	2015078634
Record Updated	Jun 8, 2026

September 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SEMINOLE FL
Recording Date	Sep 21, 2018
Property Address	577 OAK ST, OVIEDO, FL 32765-6237
Document Number	0092161139
Book / Page	009216 / 001139
Instrument Date	Jun 28, 2018
Instrument	108655
Transaction Type	Mortgage
Record Updated	Feb 21, 2019
Title Company	OS NATIONAL LLC, OS NAT'L LLC

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	345 PARK AVE NEW YORK NY 101540004, NEW YORK, NY 10154-0004
Investor	Possibly a Property Investor

Mortgage

Document Number	92161139
Date	Sep 21, 2018
Book Page	009216/001139
Instrument	108655

Lender

Name	GERMAN AMERICAN CAP
Type	Funding / Finance Company
Address	60 WALL ST # 10TH, NEW YORK, NY 10005-2865

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

August 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SEMINOLE FL
Recording Date	Aug 7, 2018
Property Address	577 OAK ST, OVIEDO, FL 32765-6237
Document Number	0091841523
Book / Page	009184 / 001523
Instrument Date	Jun 28, 2018
Instrument	89539
Transaction Type	Mortgage
Record Updated	Feb 26, 2019
Title Company	OS NATIONAL LLC, OS NAT'L LLC

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	345 PARK AVE NEW YORK NY 101540004, NEW YORK, NY 10154-0004
Investor	Possibly a Property Investor

Mortgage

Document Number	91841523
Date	Aug 7, 2018
Book Page	009184/001523
Instrument	89539

Lender

Name	GERMAN AMERICAN CAP
Type	Funding / Finance Company
Address	60 WALL ST # 10TH, NEW YORK, NY 10005-2865

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SEMINOLE FL
Recording Date	Jul 12, 2018
Property Address	577 OAK ST, OVIEDO, FL 32765-6237
Document Number	0091701644
Book / Page	009170 / 001644
Instrument Date	Jun 28, 2018
Instrument	79760
Transaction Type	Transfer
Record Updated	Jul 30, 2018
Title Company	OS NATIONAL LLC

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1717 MAIN ST #2000 DALLAS TX 752014657, 2000, DALLAS, TX 75201-4657

Tax Assessment & Valuation

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	$4,916.00 (+22.75%)	$294,363 (+3.74%)	$294,363 (+3.74%) Land $80,000 Building $214,363
2023	$4,005.00 (+12.03%)	$283,747 (+18.21%)	$283,747 (+12.14%) Land $80,000 Building $203,747
2022	$3,575.00	$240,037	$253,034 Land $80,000 Building $173,034

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 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

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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