934 Jessamy St, Oviedo, FL 32765 Property Records

Seminole County property record for 934 Jessamy St, Oviedo, FL 32765

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,848 sqft · built 2021
Lot Size	0.19 acres (8,254 sqft)
Owner	Individual Name on File
Last Sale	$597,000 (Sep 2025)
Tax Bill	$6,685 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Aug 2020 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-21-31-501-0300-0100`

Property Details

APN / Parcel Number

Primary APN	`04-21-31-501-0300-0100`
Alternative APN	`21310450103000100`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,848 sqft Living Area
Gross Area	2,286 sqft
1st Floor Area	1,848 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	8,254 sqft (0.19 acres)
Garage Type	Attached
Garage Area	438 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Pool Type
Pool Area	1 sqft
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	934 JESSAMY ST
City	OVIEDO
State	FL
Zip	32765-8244
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Description	LOT 10 BLK 3 CASSA-VILLA HEIGHTS PB 10 PG 97
Legal Range	31E
Legal Township	21S
Legal Section	04
Legal Subdivision	CASSA-VILLA HEIGHTS
Legal Tract	501
Legal Block	3
Legal Lot Number	10
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	1
Census Block	1017
Census Tract	21313

Owner

934 Jessamy St is owned and occupied by an individual who bought it in September 2025.

Source: Seminole County records, as of July 22, 2026

Owner of Record	Individual Name on File
Mailing Address	934 JESSAMY ST, OVIEDO, FL 32765-8244
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

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 19, 2023	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Aug 7, 2020	Deed of Trust, Mortgage · Construction Mortgage CENTENNIAL BANK
Jun 15, 2020	Warranty Deed, Transfer · Conventional Mortgage CENTENNIAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 2, 2025 · Amount on File
Deed Sale	Sep 2, 2025 · Amount on File
Prior Sale	Jun 15, 2020 · Amount on File
Deed Document Number	202586301
Deed Book / Page	10889 / 1705
Prior Transfer Date	Jun 13, 2024
Prior Transfer Doc	0106451115
Record Updated	Sep 20, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	934 JESSAMY ST, OVIEDO, FL 32765-8244
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	934 JESSAMY ST, OVIEDO, FL 32765-8244

Mortgage

Document Number	0103771283
Date	Jan 19, 2023
Book Page	10377/1283
Instrument	2023005181

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 25, 2053

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	934 JESSAMY ST, OVIEDO, FL 32765-8244
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0096711287
Date	Aug 7, 2020
Book Page	9671/1287
Instrument	2020085479

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	CONWAY, AR 72033

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Sep 1, 2026
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	6.12%
Index	1-Year CMT
Max Rate	10.1%

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Jun 15, 2020
Property Address	934 JESSAMY ST, OVIEDO, FL 32765-8244
Document Number	0096240041
Book / Page	9624 / 41
Map Reference	MB 10 PG 97
Instrument Date	Jun 12, 2020
Instrument	2020061267
Transaction Type	Transfer
Record Updated	Dec 22, 2021
Title Company	FIRST SERVICE TTL OF FL LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$455.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1080 PROVIDENCE LN, 1080, OVIEDO, FL 32765-7040

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	424 N SUNDANCE DR, LAKE MARY, FL 32746-3724

Mortgage

Document Number	0000962442
Date	Jun 15, 2020
Instrument	9624/42

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Jul 1, 2025
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	7.5%
Index	1-Year CMT
Max Rate	11.5%

Tax Assessment & Valuation

The 2025 property tax bill for 934 Jessamy St was $6,685.

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	$6,685.00	$466,408 Land $78,000 Building $388,408	$466,408 Land $78,000 Building $388,408
2023	$4,904.00 (+2.51%) Homeowner's exemption	$385,484 (+3%)	$439,552 (+8.18%) Land $70,000 Building $369,552
2022	$4,784.00 Homeowner's exemption	$374,256	$406,299 Land $65,000 Building $341,299

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

Flood

FEMA maps place 934 Jessamy St in Zone X, an area of minimal flood risk, within 500 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 61 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	61 in force
Nearby Flood Claims	40 (1992–2024)
Claims Outside the SFHA	9 of 40
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Ian, Oct 2022 · 5 claims Tropical Storm Fay, Sep 2008 · 13 claims Hurricane Frances, Sep 2004 · 8 claims

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 934 Jessamy St is moderate, ranking above 47% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 47% of the US · lower than 82% of Florida
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

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	WINTER SPRINGS, CITY OF (3 WPS) serves 34,657 people · EPA ID FL3590879
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2017
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 91 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: WOW Internet, Cable & Phone.

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