981 N Pine Ave, Oviedo, FL 32765 Property Records

Seminole County property record for 981 N Pine Ave, Oviedo, FL 32765

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,116 sqft · built 2017
Lot Size	0.407 acres (17,772 sqft)
Owner	2 Individual Names on Record
Last Sale	$510,000 (Jun 2017)
Tax Bill	$6,969 (2025)
Deeds & Mortgages	Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-21-31-300-007R-0000`

Property Details

APN / Parcel Number

Primary APN	`09-21-31-300-007R-0000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	16 Plumbing Fixtures
Stories	1 Story
Building Area	3,116 sqft Living Area
1st Floor Area	3,116 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	17,772 sqft
Garage Area	680 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	799 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	981 N PINE AVE
City	OVIEDO
State	FL
Zip	32765-7901
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 09 TWP 21S RGE 31E BEG 836.52 FT E & 80 FT S OF NW COR OF NE 1/4 OF NW 1/4 RUN S 80 FT W 147.27 FT N 59 DEG 21 MIN 47 SEC
Legal Range	31E
Legal Township	21S
Legal Section	09
Legal Subdivision	ACREAGE & UNREC
Legal Tract	300
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	1
Census Block	1031
Census Tract	21313

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	981 N PINE AVE, OVIEDO, FL 32765-7901
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 20, 2017 · Amount on Record
Deed Sale	Jun 20, 2017 · Amount on Record
Prior Sale	Jan 7, 2016 · Amount on Record
Deed Document Number	2017061561
Deed Book / Page	008936 / 000516
Record Updated	Jun 8, 2026

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Jun 20, 2017
Property Address	981 N PINE AVE, OVIEDO, FL 32765-7901
Document Number	0089360516
Book / Page	008936 / 000516
Instrument Date	Jun 16, 2017
Instrument	61561
Transaction Type	Transfer
Record Updated	Aug 25, 2017
Title Company	VENTURE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,570.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	981 N PINE AVE OVIEDO FL 327657901, OVIEDO, FL 32765-7901

Mortgage

Document Number	89360517
Date	Jun 20, 2017
Book Page	008936/000517
Instrument	61562

Lender

Name	SUNBELT LNDG SVCS
Address	CLEARWATER, FL 33759

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 19, 2047

Tax Assessment & Valuation

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	$6,969.00 (+14.28%) Homeowner's exemption	$445,124 (+5.99%)	$625,523 (+5.39%) Land $88,000 Building $537,523
2023	$6,098.00 (+2.64%) Homeowner's exemption	$419,980 (+3%)	$593,531 (+0.88%) Land $88,000 Building $505,531
2022	$5,941.00 Homeowner's exemption	$407,748	$588,351 Land $88,000 Building $500,351

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

Flood

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 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

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% 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	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 353 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