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645 Comanche St, Oviedo, FL 32765 Property Records

Seminole County property record for 645 Comanche St, Oviedo, FL 32765

Property Summary

Property TypeSingle Family Home
Details4 bd · 3.5 ba · 3,595 sqft · built 2009
Lot Size0.22 acres (9,569 sqft)
Owner2 Individual Names on File
Last Sale$630,000 (Jan 2022)
Tax Bill$9,301 (2025)
Deeds & MortgagesJan 2022 Sale & Mortgage
Jun 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN12-21-31-503-0000-0540

Property Details

APN / Parcel Number

Primary APN12-21-31-503-0000-0540
Alternative APN
  • 21311250300000540

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures13 Plumbing Fixtures
Stories2 Stories
Building Area3,595 sqft Living Area
Gross Area4,315 sqft
1st Floor Area1,593 sqft
Upper Floors Area2,002 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2009
Effective Year BuiltEffective 2009
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeCathedral/Clerestory
Roof MaterialComposition Shingle
Lot Area9,569 sqft (0.22 acres)
Garage TypeAttached
Garage Area720 sqft
Parking Spaces3 Parking Spaces
PorchOpen Porch
Porch Area220 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Street Address645 COMANCHE ST
CityOVIEDO
StateFL
Zip32765-5944
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePUD
Legal DescriptionLOT 54 OVIEDO FOREST PB 70 PGS 53 TO 69
Legal Range31E
Legal Township21S
Legal Section12
Legal SubdivisionOVIEDO FOREST
Legal Tract503
Legal Lot Number54
JurisdictionSEMINOLE FL
Township / Civil DivisionOVIEDO
Census Block Group3
Census Block3018
Census Tract21201

Owner

645 Comanche St is owned and occupied by two individuals who bought it in January 2022.

Source: Seminole County records, as of December 29, 2025

Owner of Record2 Individual Names on File
Mailing Address645 COMANCHE ST, OVIEDO, FL 32765-5944
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Jan 19, 2022Warranty Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Jun 18, 2018Warranty Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 19, 2022 · Amount on File
Deed SaleJan 19, 2022 · Amount on File
Prior SaleJun 18, 2018 · Amount on File
Deed Document Number20227622
Deed Book / Page10149 / 829
Prior Transfer DateNov 20, 2021
Prior Transfer Doc0101490829
Record UpdatedJun 8, 2026

January 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSEMINOLE FL
Recording DateJan 19, 2022
Property Address645 COMANCHE ST, OVIEDO, FL 32765-5944
Document Number0101490829
Book / Page10149 / 829
Map ReferenceMB 70 PG 53-69
Instrument DateNov 20, 2021
Instrument2022007622
Transaction TypeTransfer
Record UpdatedAug 2, 2022
Title CompanyNOT AVAILABLE, DIAMOND TITLE GROUP LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$4,410.00
Amount AccuracyRounded by County

Transferred From (Grantor/Seller)

NameVerified Name
Address332 REMINGTON DR, 332, OVIEDO, FL 32765-6247

Transferred To (Grantee/Buyer)

NameVerified Name
Address645 COMANCHE ST, OVIEDO, FL 32765-5944

Mortgage

Document Number0010149831
DateJan 19, 2022
Instrument10149/831
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term359 Months
DueDec 1, 2051

June 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSEMINOLE FL
Recording DateJun 18, 2018
Property Address645 COMANCHE ST, OVIEDO, FL 32765-5944
Document Number0091541391
Book / Page09154 / 1391
Map ReferenceMB70 PG53-69
Instrument DateMay 29, 2018
Instrument2018069202
Transaction TypeTransfer
Record UpdatedAug 2, 2022
Title CompanyATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,219.30
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address12344 NW BARNES RD APT 437, 12344, PORTLAND, OR 97229-6063

Transferred To (Grantee/Buyer)

NameVerified Name
Address645 COMANCHE ST, OVIEDO, FL 32765-5944

Mortgage

Document Number2018069203
DateJun 18, 2018
Instrument2018069203
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJul 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 645 Comanche St was $9,301 with a homeowner's exemption.

Source: Seminole County assessment roll, as of December 29, 2025

Property Jurisdictions

TypeName
StateFlorida
CountySeminole County
MunicipalityOviedo City
Unified School DistrictSeminole County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$9,301.00 Homeowner's exemption$592,416$698,684 Land $142,000 Building $556,684
2023$6,713.00 (-24.65%) Homeowner's exemption$458,686 (-16.86%)$652,843 (+10.59%) Land $131,000 Building $521,843
2022$8,909.00$551,725$590,323 Land $115,000 Building $475,323

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

Flood

FEMA maps place 645 Comanche St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective November 27, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 49 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies49 in force
Nearby Flood Claims163 (1994–2024)
Claims Outside the SFHA15 of 163
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Irma, Sep 2017 · 30 claims
  • Tropical Storm Fay, Sep 2008 · 50 claims
  • Hurricane Frances, Sep 2004 · 24 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 645 Comanche St is high, ranking above 83% of the US, with a 0.7% annual chance of wildfire.

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

Wildfire RiskHigh
above 83% of the US · above 74% of Florida
Wildfire Likelihood0.7% annual chance
ExposureDirect
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 SystemCITY OF OVIEDO
serves 47,933 people · EPA ID FL3590970
Water SourceGroundwater
Last State InspectionJul 2023
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 112 locations within half a mile, as of December 31, 2025

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

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