Seminole County property record for 643 Lance Ct, Oviedo, FL 32765
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,218 sqft · built 1995 |
| Lot Size | 0.171 acres (7,483 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $555,000 (Apr 2023) |
| Tax Bill | $7,876 (2025) |
| Deeds & Mortgages | Apr 2023 Sale & Mortgage Oct 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-21-31-521-0000-3970 |
| Primary APN | 15-21-31-521-0000-3970 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,218 sqft Living Area |
| 1st Floor Area | 1,587 sqft |
| 2nd Floor Area | 631 sqft |
| Upper Floors Area | 631 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 | 7,483 sqft |
| Garage Area | 409 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 1 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 211 sqft |
| Patio Area | 1 sqft |
| Water Feature | Water Feature |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 643 LANCE CT |
|---|---|
| City | OVIEDO |
| State | FL |
| Zip | 32765-9154 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 397 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 | 397 |
| 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 are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 643 LANCE CT, OVIEDO, FL 32765-9154 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 17, 2023 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Oct 14, 2020 | Warranty Deed, Transfer OMEGA NATIONAL TITLE AGENCY LLC, OMEGA NAT'L TITLE AGCY LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 17, 2023 · Amount on Record |
| Deed Sale | Apr 17, 2023 · Amount on Record |
| Prior Sale | Oct 14, 2020 · Amount on Record |
| Deed Document Number | 2023034901 |
| Deed Book / Page | 10423 / 1308 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Apr 17, 2023 |
| Property Address | 643 LANCE CT, OVIEDO, FL 32765-9154 |
| Document Number | 0104231308 |
| Book / Page | 10423 / 1308 |
| Map Reference | MB 48 PG 93-96 |
| Instrument Date | Apr 12, 2023 |
| Instrument | 2023034901 |
| Transaction Type | Transfer |
| Record Updated | Apr 27, 2023 |
| Title Company | ASSURANCE ESCROW LLC, ASSURANCE T&E LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,885.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1795 BRUMLEY RD, CHULUOTA, FL 32766-9016 |
| Name | Verified Name |
|---|---|
| Address | 643 LANCE CT, OVIEDO, FL 32765-9154 |
| Document Number | 0104231310 |
|---|---|
| Date | Apr 17, 2023 |
| Instrument | 10423/1310 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Oct 14, 2020 |
| Property Address | 643 LANCE CT, OVIEDO, FL 32765-9154 |
| Document Number | 0097321677 |
| Book / Page | 009732 / 001677 |
| Instrument Date | Oct 9, 2020 |
| Instrument | 116245 |
| Transaction Type | Transfer |
| Record Updated | Oct 30, 2020 |
| Title Company | OMEGA NATIONAL TITLE AGENCY LLC, OMEGA NAT'L TITLE AGCY LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,835.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 509 LAKE CHARM CT OVIEDO FL 327657712, OVIEDO, FL 32765-7712 |
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 | $7,876.00 (+61%) Homeowner's exemption | $511,314 (+46.43%) | $511,314 (+8.23%) Land $118,000 Building $393,314 |
| 2023 | $4,892.00 (+1.24%) Homeowner's exemption | $349,182 (+3%) | $472,414 (+4.11%) Land $100,000 Building $372,414 |
| 2022 | $4,832.00 Homeowner's exemption | $339,012 | $453,783 Land $100,000 Building $353,783 |
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 |
|---|---|
| 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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