640 N Pine Ave, Oviedo, FL 32765 Property Records

Seminole County property record for 640 N Pine Ave, Oviedo, FL 32765

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,064 sqft · built 1980
Lot Size	1.25 acres (54,450 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,231 (2025)
Deeds & Mortgages	Jul 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-21-31-300-006H-0000`

Property Details

APN / Parcel Number

Primary APN	`09-21-31-300-006H-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	2,064 sqft Living Area
1st Floor Area	2,064 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1990
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	54,450 sqft
Garage Type	Mixed
Garage Area	702 sqft
Carport	Carport
Carport Area	1 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Finished/Screened Porch
Porch Area	556 sqft
Patio Area	1,355 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Solar

Location & Zoning

Street Address	640 N PINE AVE
City	OVIEDO
State	FL
Zip	32765-8952
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 09 TWP 21S RGE 31E BEG 886.25 FT N & 30 FT E OF SW COR OF SW 1/4 OF NE 1/4 RUN E 273 FT S 254.06 FT N 68 DEG 28 MIN 8 SEC
Legal Range	31E
Legal Township	21S
Legal Section	09
Legal Subdivision	METES & BOUNDS
Legal Tract	300
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	1
Census Block	1034
Census Tract	21313

Owner

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

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	640 N PINE AVE, OVIEDO, FL 32765-8952
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 17, 2003
Deed Sale	Feb 17, 2003
Prior Sale	Sep 3, 1993 · Amount on Record
Deed Document Number	2003028244
Deed Book / Page	02640 / 01865
Record Updated	Jun 8, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	640 N PINE AVE, OVIEDO, FL 32765-8952
Document Number	0091860103
Instrument Date	Jul 16, 2018
Transaction Type	Mortgage
Record Updated	Oct 3, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	640 N PINE AVE OVIEDO FL 327658952, OVIEDO, FL 32765-8952

Mortgage

Document Number	0091860103
Date	Aug 9, 2018
Book Page	009186/000103
Instrument	90537

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 8, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.3%

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	$3,231.00 (+16.64%) Homeowner's exemption	$228,623 (+5.99%)	$435,170 (+3.28%) Land $150,000 Building $285,170
2023	$2,770.00 Homeowner's exemption	$215,709	$421,332 Land $150,000 Building $271,332

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 61 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	61 in force
Nearby Flood Claims	40 (1992–2024)
Claims Outside the SFHA	9 of 40
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Ian, Oct 2022 · 5 claims Tropical Storm Fay, Sep 2008 · 13 claims Hurricane Frances, Sep 2004 · 8 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

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% 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 353 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20