938 Lagoon Dr, Oviedo, FL 32765 Property Records

Seminole County property record for 938 Lagoon Dr, Oviedo, FL 32765

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,319 sqft · built 1990
Lot Size	0.273 acres (11,880 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,148 (2025)
Deeds & Mortgages	Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-21-31-5KR-0000-0260`

Property Details

APN / Parcel Number

Primary APN	`26-21-31-5KR-0000-0260`
Alternative APN	`2131265KR00000260`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	2,319 sqft Living Area
Gross Area	2,739 sqft
1st Floor Area	2,319 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,880 sqft (0.273 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Open Porch
Porch Area	294 sqft
Patio Area	762 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	938 LAGOON DR
City	OVIEDO
State	FL
Zip	32765-8447
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1AA
Legal Description	LOT 26 STILLWATER PH 3 PB 40 PGS 92 TO 96
Legal Range	31E
Legal Township	21S
Legal Section	26
Legal Subdivision	STILLWATER PH 3
Legal Tract	5KR
Legal Lot Number	26
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	3
Census Block	3022
Census Tract	21320

Owner

938 Lagoon Dr is owned and occupied by two individuals who acquired it in November 2010.

Source: Seminole County records, as of December 29, 2025

Owner of Record	2 Individual Names on File
Mailing Address	938 LAGOON DR, OVIEDO, FL 32765-8447
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2010
Deed Sale	Nov 16, 2010
Prior Sale	Aug 24, 2009 · Amount on File
Deed Document Number	2010132321
Deed Book / Page	7480 / 792
Prior Transfer Date	Nov 4, 2010
Prior Transfer Doc	0074800792
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	938 LAGOON DR, OVIEDO, FL 32765-8447
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	938 LAGOON DR, OVIEDO, FL 32765-8447

Mortgage

Document Number	0097491134
Date	Nov 2, 2020
Book Page	9749/1134
Instrument	2020124793

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 938 Lagoon Dr was $3,148 with a homeowner's exemption.

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	$3,148.00 Homeowner's exemption	$241,759	$473,969 Land $115,000 Building $358,969
2023	$2,859.00 (+2.66%) Homeowner's exemption	$228,103 (+3%)	$445,730 (+7.95%) Land $110,000 Building $335,730
2022	$2,785.00 Homeowner's exemption	$221,459	$412,886 Land $100,000 Building $312,886

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

Flood

FEMA maps place 938 Lagoon Dr 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 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	Hurricane Ian, Sep 2022 · 3 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 938 Lagoon Dr is moderate, ranking above 40% 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 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.

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 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