8548 Bertram Ln, Oviedo, FL 32765 Property Records

Seminole County property record for 8548 Bertram Ln, Oviedo, FL 32765

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,598 sqft · built 2008
Lot Size	0.051 acres (2,250 sqft)
Owner	Individual Name on Record
Last Sale	$244,000 (Jul 2019)
Tax Bill	$2,931 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`36-21-30-5SL-0000-0640`

Property Details

APN / Parcel Number

Primary APN	`36-21-30-5SL-0000-0640`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	1,598 sqft Living Area
1st Floor Area	710 sqft
2nd Floor Area	888 sqft
Upper Floors Area	888 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	2,250 sqft
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	8548 BERTRAM LN
City	OVIEDO
State	FL
Zip	32765-5238
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 64 STRATFORD GREEN PB 71 PGS 4 - 9
Legal Range	30E
Legal Township	21S
Legal Section	36
Legal Subdivision	STRATFORD GREEN
Legal Lot Number	64
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	1
Census Block	1012
Census Tract	21318

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	Individual Name on Record
Mailing Address	8548 BERTRAM LN, OVIEDO, FL 32765-5238
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2020	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Jul 3, 2019	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 3, 2019 · Amount on Record
Deed Sale	Jul 3, 2019 · Amount on Record
Prior Sale	May 19, 2014 · Amount on Record
Deed Document Number	2019070922
Deed Book / Page	09387 / 0495
Record Updated	Jun 8, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	8548 BERTRAM LN, OVIEDO, FL 32765-5238
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	548 BERTRAM N, OVIEDO, FL 32765

Mortgage

Document Number	0096980077
Date	Sep 8, 2020
Book Page	9698/77
Instrument	2020099066

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Jul 3, 2019
Property Address	8548 BERTRAM LN, OVIEDO, FL 32765-5238
Document Number	0093870495
Book / Page	009387 / 000495
Instrument Date	Jun 28, 2019
Instrument	70922
Transaction Type	Transfer
Record Updated	Jul 16, 2019
Title Company	FIRST SIGNATURE TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,708.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8548 BERTRAM LN OVIEDO FL 327655238, OVIEDO, FL 32765-5238

Mortgage

Document Number	93870497
Date	Jul 3, 2019
Book Page	009387/000497
Instrument	70923

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 2, 2049

Tax Assessment & Valuation

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	$2,931.00 (+2.13%) Homeowner's exemption	$252,842 (+5.99%)	$329,804 (+5.73%) Land $85,000 Building $244,804
2023	$2,870.00 (+2.79%) Homeowner's exemption	$238,559 (+3%)	$311,925 (+9.47%) Land $79,000 Building $232,925
2022	$2,792.00 Homeowner's exemption	$231,611	$284,948 Land $75,000 Building $209,948

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 31 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	31 in force

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	Not rated no burnable land within 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 303 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: AT&T, CenturyLink, Metronet, Xfinity.

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