Seminole County property record for 974 Lagoon Dr, Oviedo, FL 32765
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,991 sqft · built 1990 |
| Lot Size | 0.355 acres (15,483 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $206,900 (Jun 2015) |
| Tax Bill | $3,063 (2025) |
| Deeds & Mortgages | May 2026 Sale Mar 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-21-31-5KR-0000-0230 |
| Primary APN | 26-21-31-5KR-0000-0230 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,991 sqft Living Area |
| Gross Area | 2,391 sqft |
| 1st Floor Area | 1,870 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 15,483 sqft (0.355 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 1 sqft |
|---|---|
| Porch | Florida Room |
| Porch Area | 156 sqft |
| Patio Area | 1 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 974 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 23 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 | 23 |
| Jurisdiction | SEMINOLE FL |
| Township / Civil Division | OVIEDO |
| Census Block Group | 3 |
| Census Block | 3022 |
| Census Tract | 21320 |
Source: Seminole County records, as of May 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 974 LAGOON DR, OVIEDO, FL 32765-8447 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| May 1, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Mar 25, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| Feb 26, 2021 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 26, 2015 · Amount on Record |
| Deed Sale | Jun 26, 2015 · Amount on Record |
| Prior Sale | May 1, 2015 · Amount on Record |
| Deed Document Number | 201569756 |
| Deed Book / Page | 8496 / 1711 |
| Last Transfer Date | Mar 15, 2021 |
| Transfer Doc | 0098811414 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | May 1, 2026 |
| Property Address | 974 LAGOON DR, OVIEDO, FL 32765-8447 |
| Document Number | 0110300695 |
| Book / Page | 11030 / 695 |
| Instrument Date | Apr 30, 2026 |
| Instrument | 202643232 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 974 LAGOON DR, OVIEDO, FL 32765-8447 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Mar 25, 2021 |
| Property Address | 974 LAGOON DR, OVIEDO, FL 32765-8447 |
| Document Number | 0098811414 |
| Book / Page | 9881 / 1414 |
| Map Reference | MB 40 PG 92-96 |
| Instrument Date | Mar 15, 2021 |
| Instrument | 2021038637 |
| Transaction Type | Transfer |
| Record Updated | Dec 22, 2021 |
| Title Company | CLOSING USA LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 974 LAGOON DR, OVIEDO, FL 32765-8447 |
| Document Number | 0098811417 |
|---|---|
| Date | Mar 25, 2021 |
| Instrument | 9881/1417 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Apr 1, 2041 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Feb 26, 2021 |
| Property Address | 974 LAGOON DR, OVIEDO, FL 32765-8447 |
| Document Number | 0098560379 |
| Book / Page | 9856 / 379 |
| Map Reference | MB 40 PG 92-96 |
| Instrument Date | Feb 25, 2021 |
| Instrument | 2021025725 |
| Transaction Type | Transfer |
| Record Updated | Dec 22, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 974 LAGOON DR, OVIEDO, FL 32765-8447 |
Source: Seminole County assessment roll, as of December 29, 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 | $3,063.00 (+10.1%) Homeowner's exemption | $235,602 (+5.99%) | $394,416 (+6.3%) Land $115,000 Building $279,416 |
| 2023 | $2,782.00 (+2.69%) Homeowner's exemption | $222,293 (+3%) | $371,053 (+8.11%) Land $110,000 Building $261,053 |
| 2022 | $2,709.00 Homeowner's exemption | $215,818 | $343,203 Land $100,000 Building $243,203 |
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 |
|---|---|
| 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 | Low lower than 99.8% of the US · lower than 99.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% 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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