578 Saint Augustine Ct, Oviedo, FL 32765 Property Records

Seminole County property record for 578 Saint Augustine Ct, Oviedo, FL 32765

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,840 sqft · built 1988
Lot Size	0.23 acres (10,025 sqft)
Owner	2 Owner Names on File
Last Sale	$169,900 (Sep 2003)
Tax Bill	$1,902 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`27-21-31-509-0000-1620`

Property Details

APN / Parcel Number

Primary APN	`27-21-31-509-0000-1620`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,840 sqft Living Area
1st Floor Area	1,840 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,025 sqft
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	349 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	578 SAINT AUGUSTINE CT
City	OVIEDO
State	FL
Zip	32765-6221
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 162 STILLWATER PH 2 PB 36 PGS 93 TO99
Legal Range	31E
Legal Township	21S
Legal Section	27
Legal Subdivision	STILLWATER
Legal Tract	509
Legal Lot Number	162
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	3
Census Block	3022
Census Tract	21320

Owner

The current owner of 578 Saint Augustine Ct bought it in September 2003.

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

Owner of Record	2 Owner Names on File
Mailing Address	578 SAINT AUGUSTINE CT, OVIEDO, FL 32765-6221
Occupancy	Owner Occupied

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2003 · Amount on File
Deed Sale	Sep 18, 2003 · Amount on File
Prior Sale	Sep 5, 1997 · Amount on File
Deed Document Number	2003166421
Deed Book / Page	05020 / 0743
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	578 SAINT AUGUSTINE CT, OVIEDO, FL 32765-6221
Transaction Type	Mortgage
Record Updated	Dec 1, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	578 SAINT AUGUSTINE CT, OVIEDO, FL 32765-6221

Mortgage

Document Number	0109361060
Date	Nov 17, 2025
Book Page	10936/1060
Instrument	2025115134

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 8, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 578 Saint Augustine Ct was $1,902 with a homeowner's exemption.

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	$1,902.00 Homeowner's exemption	$174,876	$386,006 Land $115,000 Building $271,006
2023	$2,019.00 (+2.85%) Homeowner's exemption	$164,998 (+3%)	$361,912 (+8.67%) Land $110,000 Building $251,912
2022	$1,963.00 Homeowner's exemption	$160,192	$333,032 Land $100,000 Building $233,032

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

Flood

FEMA maps place 578 Saint Augustine Ct in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2017.

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 File 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	Hurricane Ian, Sep 2022 · 3 claims

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 578 Saint Augustine Ct is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% 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 241 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20