Seminole County property record for 920 Lagoon Dr, Oviedo, FL 32765
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,094 sqft · built 1990 |
| Lot Size | 0.278 acres (12,112 sqft) |
| Owner | 2 Owner Names on Record |
| Last Sale | $225,600 (Oct 2012) |
| Tax Bill | $2,550 (2025) |
| Deeds & Mortgages | Mar 2023 Line of Credit Jun 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-21-31-5KR-0000-0280 |
| Primary APN | 26-21-31-5KR-0000-0280 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,094 sqft Living Area |
| 1st Floor Area | 2,094 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1990 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Wood |
| Foundation Type | Footing |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 12,112 sqft |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 1 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 306 sqft |
| Patio Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Street Address | 920 LAGOON DR |
|---|---|
| City | OVIEDO |
| State | FL |
| Zip | 32765-8447 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 28 STILLWATER PH 3 PB 40 PGS 92 TO 96 |
| Legal Range | 31E |
| Legal Township | 21S |
| Legal Section | 26 |
| Legal Subdivision | STILLWATER |
| Legal Lot Number | 28 |
| Jurisdiction | SEMINOLE FL |
| Township / Civil Division | OVIEDO |
| Census Block Group | 3 |
| Census Block | 3022 |
| Census Tract | 21320 |
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 | 2 Owner Names on Record |
|---|---|
| Mailing Address | 920 LAGOON DR, OVIEDO, FL 32765-8447 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Mar 24, 2023 | Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK |
| Jun 19, 2017 | Deed of Trust, Mortgage · Conventional Mortgage REGIONS BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 23, 2012 · Amount on Record |
| Deed Sale | Oct 23, 2012 · Amount on Record |
| Deed Document Number | 2012127430 |
| Deed Book / Page | 07883 / 1500 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 920 LAGOON DR, OVIEDO, FL 32765-8447 |
| Transaction Type | Mortgage |
| Record Updated | Apr 4, 2023 |
| Name | Verified Name |
|---|---|
| Address | 920 LAGOON DR, OVIEDO, FL 32765-8447 |
| Document Number | 0104101441 |
|---|---|
| Date | Mar 24, 2023 |
| Book Page | 10410/1441 |
| Instrument | 2023026801 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | LONGWOOD, FL 32750 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Mar 20, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 920 LAGOON DR, OVIEDO, FL 32765-8447 |
| Document Number | 0089471255 |
| Instrument Date | Jun 19, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2018 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 920 LAGOON DR OVIEDO FL 327658447, OVIEDO, FL 32765-8447 |
| Document Number | 0089471255 |
|---|---|
| Date | Jul 6, 2017 |
| Book Page | 008947/001255 |
| Instrument | 68286 |
| Name | REGIONS BK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35211 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 5, 2032 |
Source: Seminole County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Seminole County |
| Unified School District | Seminole County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,550.00 (-1.62%) Homeowner's exemption | $225,749 (+5.99%) | $443,512 (+6.31%) Land $115,000 Building $328,512 |
| 2023 | $2,592.00 (+2.82%) Homeowner's exemption | $212,997 (+3%) | $417,191 (+7.97%) Land $110,000 Building $307,191 |
| 2022 | $2,521.00 Homeowner's exemption | $206,793 | $386,411 Land $100,000 Building $286,411 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 54 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 54 in force |
| Nearby Flood Claims | 4 (2017–2022) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · lower than 87% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 241 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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