8863 Atwater Loop, Oviedo, FL 32765 Property Records

Seminole County property record for 8863 Atwater Loop, Oviedo, FL 32765

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,787 sqft · built 2006
Lot Size	0.139 acres (6,088 sqft)
Owner	Individual Name on File
Last Sale	$415,000 (Jun 2019)
Tax Bill	$5,164 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`36-21-30-5SK-0000-1080`

Property Details

APN / Parcel Number

Primary APN	`36-21-30-5SK-0000-1080`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	2 Stories
Building Area	2,787 sqft Living Area
1st Floor Area	1,303 sqft
2nd Floor Area	1,484 sqft
Upper Floors Area	1,484 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	6,088 sqft
Garage Area	652 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Porch
Porch Area	275 sqft
Patio Area	628 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	8863 ATWATER LOOP
City	OVIEDO
State	FL
Zip	32765-5226
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 108 CLIFTON PARK PB 70 PGS 1 - 7
Legal Range	30E
Legal Township	21S
Legal Section	36
Legal Subdivision	CLIFTON PARK
Legal Lot Number	108
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	1
Census Block	1011
Census Tract	21318

Owner

8863 Atwater Loop is owned and occupied by an individual who bought it in June 2019.

Source: Seminole County records, as of December 5, 2025

Owner of Record	Individual Name on File
Mailing Address	8863 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
Aug 3, 2023	Deed of Trust, Mortgage · Line of Credit JACKSON FLAGSTAR CENTRE OFFICE
Apr 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 28, 2019	Warranty Deed, Transfer · Conventional Mortgage HOME 1ST LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 28, 2019 · Amount on File
Deed Sale	Jun 28, 2019 · Amount on File
Prior Sale	Mar 23, 2011 · Amount on File
Deed Document Number	2019069425
Deed Book / Page	09384 / 0890
Record Updated	Jun 8, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	8863 ATWATER LOOP, OVIEDO, FL 32765-5226
Transaction Type	Mortgage
Record Updated	Aug 16, 2023
Title Company	BOSTON NATIONAL TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8863 ATWATER LOOP, OVIEDO, FL 32765-5226

Mortgage

Document Number	0104841494
Date	Aug 3, 2023
Book Page	10484/1494
Instrument	2023071495

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	8863 ATWATER LOOP, OVIEDO, FL 32765-5226
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	BROKER'S TITLE, BROKERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0099110619
Date	Apr 23, 2021
Book Page	9911/619
Instrument	2021053640

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Jun 28, 2019
Property Address	8863 ATWATER LOOP, OVIEDO, FL 32765-5226
Document Number	0093840890
Book / Page	09384 / 0890
Map Reference	MB 70 PG 1-7
Instrument Date	Jun 25, 2019
Instrument	2019069425
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,905.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2928 BAYHEAD RUN, 2928, OVIEDO, FL 32765-9439

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8863 ATWATER LOOP, OVIEDO, FL 32765-5226

Mortgage

Document Number	0009384892
Date	Jun 28, 2019
Instrument	09384/892

Lender

Name	HOME 1ST LENDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 8863 Atwater Loop was $5,164 with a homeowner's exemption.

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	$5,164.00 Homeowner's exemption	$406,640	$570,160 Land $112,000 Building $458,160
2023	$4,879.00 (+2.5%) Homeowner's exemption	$383,670 (+3%)	$529,689 (+7.8%) Land $112,000 Building $417,689
2022	$4,760.00 Homeowner's exemption	$372,495	$491,371 Land $100,000 Building $391,371

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

Flood

FEMA maps place 8863 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 8863 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