8798 Atwater Loop, Oviedo, FL 32765 Property Records

Seminole County property record for 8798 Atwater Loop, Oviedo, FL 32765

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,971 sqft · built 2010
Lot Size	0.142 acres (6,199 sqft)
Owner	Individual Name on Record
Last Sale	$350,000 (Jan 2021)
Tax Bill	$3,955 (2025)
Deeds & Mortgages	Apr 2018 Line of Credit Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`36-21-30-5SK-0000-1000`

Property Details

APN / Parcel Number

Primary APN	`36-21-30-5SK-0000-1000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,971 sqft Living Area
1st Floor Area	1,971 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2010
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	6,199 sqft
Garage Area	473 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	123 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	8798 ATWATER LOOP
City	OVIEDO
State	FL
Zip	32765-5227
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 100 CLIFTON PARK PB 70 PGS 1 - 7
Legal Range	30E
Legal Township	21S
Legal Section	36
Legal Subdivision	CLIFTON PARK
Legal Lot Number	100
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	1
Census Block	1016
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
Co-owner	Co-owner on Record
Mailing Address	8798 ATWATER LOOP, OVIEDO, FL 32765-5227
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2018	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jan 7, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 7, 2021 · Amount on Record
Deed Sale	Jan 7, 2021 · Amount on Record
Prior Sale	Sep 22, 2010 · Amount on Record
Deed Document Number	2021002090
Deed Book / Page	9808 / 353
Record Updated	Jun 8, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	8798 ATWATER LOOP, OVIEDO, FL 32765-5227
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0091031932
Date	Apr 5, 2018
Book Page	09103/1932
Instrument	2018036646

Lender

Name	PNC BANK NA
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	443 Months
Due	Mar 21, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Jan 7, 2021
Property Address	8798 ATWATER LOOP, OVIEDO, FL 32765-5227
Document Number	0098080353
Book / Page	9808 / 353
Map Reference	MB 70 PG 1-7
Instrument Date	Dec 28, 2020
Instrument	2021002090
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	701 HOWELL BRANCH ROAD #310310, 701, WINTER PARK, FL 32789

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	8798 ATWATER LOOP, OVIEDO, FL 32765-5227

Mortgage

Document Number	0009808355
Date	Jan 7, 2021
Instrument	9808/355

Lender

Name	UNITED WHOLESALE MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

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	$3,955.00 (+4.05%) Homeowner's exemption	$320,716 (+5.99%)	$417,469 (+7.89%) Land $112,000 Building $305,469
2023	$3,801.00 (+2.59%) Homeowner's exemption	$302,599 (+3%)	$386,948 (+8.62%) Land $112,000 Building $274,948
2022	$3,705.00 Homeowner's exemption	$293,785	$356,240 Land $100,000 Building $256,240

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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