908 Keep Way Loop, Oviedo, FL 32765 Property Records

Seminole County property record for 908 Keep Way Loop, Oviedo, FL 32765

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,363 sqft · built 1996
Lot Size	0.244 acres (10,638 sqft)
Owner	Individual Name on File
Last Sale	$380,000 (Jun 2015)
Tax Bill	$4,367 (2025)
Deeds & Mortgages	Jan 2020 Mortgage Jul 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`14-21-31-504-0000-2820`

Property Details

APN / Parcel Number

Primary APN	`14-21-31-504-0000-2820`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	2,363 sqft Living Area
1st Floor Area	2,367 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	10,638 sqft
Garage Area	630 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Porch
Porch Area	469 sqft
Patio Area	422 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	908 KEEP WAY LOOP
City	OVIEDO
State	FL
Zip	32765-8276
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 282 VILLAGES AT KINGSBRIDGE WEST TR D PB 49 PGS 37 THRU 42
Legal Range	31E
Legal Township	21S
Legal Section	14
Legal Subdivision	VILLAGES AT KINGSBRIDGE WEST TR D
Legal Tract	D
Legal Lot Number	282
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	1
Census Block	1006
Census Tract	21312

Owner

908 Keep Way Loop is owned and occupied by an individual who bought it in June 2015.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	908 KEEP WAY LOOP, OVIEDO, FL 32765-8276
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
Jan 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage IBERIABANK
Jul 25, 2019	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 5, 2015 · Amount on File
Deed Sale	Jun 5, 2015 · Amount on File
Prior Sale	Apr 1, 1996 · Amount on File
Deed Document Number	2015060346
Deed Book / Page	08481 / 1781
Record Updated	Jun 8, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	908 KEEP WAY LOOP, OVIEDO, FL 32765-8276
Document Number	0095321042
Instrument Date	Jan 29, 2020
Transaction Type	Mortgage
Record Updated	Feb 26, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	908 KEEP WAY LOOP OVIEDO FL 327658276, OVIEDO, FL 32765-8276

Mortgage

Document Number	0095321042
Date	Feb 5, 2020
Book Page	009532/001042
Instrument	13532

Lender

Name	IBERIABANK
Type	Bank
Address	LAFAYETTE, LA 70501

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 4, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	908 KEEP WAY LOOP, OVIEDO, FL 32765-8276
Document Number	0094080270
Instrument Date	Jul 25, 2019
Transaction Type	Mortgage
Record Updated	Aug 21, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	908 KEEP WAY LOOP OVIEDO FL 327658276, OVIEDO, FL 32765-8276

Mortgage

Document Number	0094080270
Date	Aug 5, 2019
Book Page	009408/000270
Instrument	83546

Lender

Name	MIDFLORIDA CU
Address	LAKELAND, FL 33802

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Aug 4, 2039

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 908 Keep Way Loop was $4,367 with a homeowner's exemption.

Source: Seminole County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Seminole County
Municipality	Oviedo City
Unified School District	Seminole County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,367.00 Homeowner's exemption	$294,431	$548,111 Land $143,000 Building $405,111
2023	$3,836.00 (+2.81%) Homeowner's exemption	$277,799 (+3%)	$502,785 (+2.77%) Land $125,000 Building $377,785
2022	$3,731.00 Homeowner's exemption	$269,708	$489,254 Land $115,000 Building $374,254

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

Flood

FEMA maps place 908 Keep Way Loop in Zone X, an area of minimal flood risk, within 100 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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 51 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	51 in force
Nearby Flood Claims	2 (2004–2022)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2022 · Hurricane Ian

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 908 Keep Way Loop is moderate, ranking above 44% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	None beyond 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	CITY OF OVIEDO serves 47,933 people · EPA ID FL3590970
Water Source	Groundwater
Last State Inspection	Jul 2023
Lead	2 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	1 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 110 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
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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