8797 Atwater Loop, Oviedo, FL 32765 Property Records

Seminole County property record for 8797 Atwater Loop, Oviedo, FL 32765

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,787 sqft · built 2007
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on File
Last Sale	$440,000 (Aug 2020)
Tax Bill	$5,420 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`36-21-30-5SK-0000-1190`

Property Details

APN / Parcel Number

Primary APN	`36-21-30-5SK-0000-1190`
Alternative APN	`2130365SK00001190`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	2,787 sqft Living Area
Gross Area	3,439 sqft
1st Floor Area	1,303 sqft
Upper Floors Area	1,484 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	6,000 sqft (0.138 acres)
Garage Type	Attached
Garage Area	652 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	286 sqft
Patio Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	8797 ATWATER LOOP
City	OVIEDO
State	FL
Zip	32765-5226
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 119 CLIFTON PARK PB 70 PGS 1 - 7
Legal Range	30E
Legal Township	21S
Legal Section	36
Legal Subdivision	CLIFTON PARK
Legal Tract	5SK
Legal Lot Number	119
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	1
Census Block	1011
Census Tract	21318

Owner

8797 Atwater Loop is owned and occupied by two individuals who bought it in August 2020.

Source: Seminole County records, as of April 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	8797 ATWATER LOOP, OVIEDO, FL 32765-5226
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Apr 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Aug 14, 2020	Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2020 · Amount on File
Deed Sale	Aug 14, 2020 · Amount on File
Prior Sale	Apr 8, 2014 · Amount on File
Deed Document Number	202089039
Deed Book / Page	9678 / 610
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Recording Date	Apr 20, 2026
Property Address	8797 ATWATER LOOP, OVIEDO, FL 32765-5226
Document Number	0000038627
Book / Page	11022 / 1150
Instrument Date	Apr 10, 2026
Instrument	202638627
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	PENNYMAC LOAN SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8797 ATWATER LOOP, OVIEDO, FL 32765-5226

Mortgage

Document Number	0000038627,
Date	Apr 20, 2026
Book Page	11022/1150
Instrument	202638627

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	May 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Aug 14, 2020
Property Address	8797 ATWATER LOOP, OVIEDO, FL 32765-5226
Document Number	0096780610
Book / Page	9678 / 610
Map Reference	MB 70 PG 1-7
Instrument Date	Aug 13, 2020
Instrument	2020089039
Transaction Type	Transfer
Record Updated	Dec 22, 2021
Title Company	LEADING EDGE TTL OF CTRL FL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,080.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	30662 HIGHWAY 23, 30662, BURAS, LA 70041-2618

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8797 ATWATER LOOP, OVIEDO, FL 32765-5226

Mortgage

Document Number	0009678612
Date	Aug 14, 2020
Instrument	9678/612

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 8797 Atwater Loop was $5,420 with a homeowner's exemption.

Source: Seminole County assessment roll, as of December 29, 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	$5,420.00 Homeowner's exemption	$414,841	$541,548 Land $112,000 Building $429,548
2023	$4,982.00 (+2.49%) Homeowner's exemption	$391,408 (+3%)	$499,706 (+8.31%) Land $112,000 Building $387,706
2022	$4,861.00 Homeowner's exemption	$380,008	$461,385 Land $100,000 Building $361,385

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

Flood

FEMA maps place 8797 Atwater Loop in Zone X, an area of minimal flood risk.

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 File 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

The area around 8797 Atwater Loop has no burnable land within ember reach, so its wildfire risk is not rated.

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.

Nearby Properties on Atwater Loop

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures