Seminole County property record for 643 Armor Ct, Oviedo, FL 32765
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,922 sqft · built 1995 |
| Lot Size | 0.261 acres (11,411 sqft) |
| Owner | 2 Owner Names on Record |
| Last Sale | $263,000 (Jun 2013) |
| Tax Bill | $3,538 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-21-31-521-0000-3720 |
| Primary APN | 15-21-31-521-0000-3720 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,922 sqft Living Area |
| 1st Floor Area | 1,922 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1995 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 11,411 sqft |
| Garage Area | 394 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
|---|---|
| Porch Area | 40 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 643 ARMOR CT |
|---|---|
| City | OVIEDO |
| State | FL |
| Zip | 32765-9156 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 372 VILLAGES AT KINGSBRIDGE WEST TR C-2 PB 48 PGS 93 THRU 96 |
| Legal Range | 31E |
| Legal Township | 21S |
| Legal Section | 15 |
| Legal Subdivision | VILLAGES AT KINGSBRIDGE WEST TR C-2 |
| Legal Tract | C-2 |
| Legal Lot Number | 372 |
| Jurisdiction | SEMINOLE FL |
| Township / Civil Division | OVIEDO |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 21312 |
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 Owner Names on Record |
|---|---|
| Mailing Address | 643 ARMOR CT, OVIEDO, FL 32765-9156 |
| Occupancy | Owner Occupied |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 20, 2013 · Amount on Record |
| Deed Sale | Jun 20, 2013 · Amount on Record |
| Prior Sale | Feb 5, 2008 · Amount on Record |
| Deed Document Number | 2013082013 |
| Deed Book / Page | 08063 / 0330 |
| Record Updated | Jun 8, 2026 |
Source: Seminole County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Seminole County |
| Municipality | Oviedo City |
| Unified School District | Seminole County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,538.00 (+13.58%) Homeowner's exemption | $246,420 (+5.99%) | $434,712 (+8.98%) Land $118,000 Building $316,712 |
| 2023 | $3,115.00 (+2.91%) Homeowner's exemption | $232,500 (+3%) | $398,890 (+4.17%) Land $100,000 Building $298,890 |
| 2022 | $3,027.00 Homeowner's exemption | $225,728 | $382,907 Land $100,000 Building $282,907 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 302 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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