Seminole County property record for 1009 Vernon Loop, Oviedo, FL 32765
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,712 sqft · built 1987 |
| Lot Size | 0.125 acres (5,445 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $101,500 (Apr 1996) |
| Tax Bill | $1,823 (2025) |
| Deeds & Mortgages | Feb 2017 Line of Credit Feb 2019 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-21-31-510-0000-0530 |
| Primary APN | 23-21-31-510-0000-0530 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 1,712 sqft Living Area |
| 1st Floor Area | 1,208 sqft |
| 2nd Floor Area | 504 sqft |
| Upper Floors Area | 504 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 5,445 sqft |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 450 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 150 sqft |
| Patio Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 1009 VERNON LOOP |
|---|---|
| City | OVIEDO |
| State | FL |
| Zip | 32765-6013 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 53 ALAFAYA WOODS PH 18 PB 37 PGS 20 TO 22 |
| Legal Range | 31E |
| Legal Township | 21S |
| Legal Section | 23 |
| Legal Subdivision | ALAFAYA WOODS |
| Legal Tract | 510 |
| Legal Lot Number | 53 |
| Jurisdiction | SEMINOLE FL |
| Township / Civil Division | OVIEDO |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 21319 |
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 Individual Names on Record |
|---|---|
| Mailing Address | 1009 VERNON LOOP, OVIEDO, FL 32765-6013 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 2, 2017 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Feb 22, 2019 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Feb 5, 2019 | Deed of Trust, Mortgage · Commercial Mortgage NATIONAL BANK OF COMMERCE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 29, 1996 · Amount on Record |
| Deed Sale | Apr 29, 1996 · Amount on Record |
| Prior Sale | Dec 29, 1995 · Amount on Record |
| Deed Document Number | 0306500143 |
| Deed Book / Page | 03065 / 00143 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 1009 VERNON LOOP, OVIEDO, FL 32765-6013 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0088551108 |
|---|---|
| Date | Feb 2, 2017 |
| Book Page | 08855/1108 |
| Instrument | 2017011941 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | PITTSBURGH, PA 15222 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 1009 VERNON LOOP, OVIEDO, FL 32765-6013 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0093021425 |
|---|---|
| Date | Feb 22, 2019 |
| Book Page | 09302/1425 |
| Instrument | 2019019249 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | OVIEDO, FL 32765 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Feb 1, 2059 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 1009 VERNON LOOP, OVIEDO, FL 32765-6013 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0092931537 |
|---|---|
| Date | Feb 5, 2019 |
| Book Page | 09293/1537 |
| Instrument | 2019012692 |
| Name | NATIONAL BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Address | OVIEDO, FL 32765 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Seminole County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Seminole County |
| Municipality | Oviedo City |
| Unified School District | Seminole County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,823.00 (+12.88%) Homeowner's exemption | $162,685 (+5.99%) | $355,426 (+1.73%) Land $94,000 Building $261,426 |
| 2023 | $1,615.00 (+5.01%) Homeowner's exemption | $153,495 (+3.76%) | $349,389 (+12.44%) Land $94,000 Building $255,389 |
| 2022 | $1,538.00 Homeowner's exemption | $147,932 | $310,746 Land $81,000 Building $229,746 |
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 45 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 45 in force |
| Nearby Flood Claims | 4 (2022) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Nov 2022 · Hurricane Nicole |
| 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 57% of the US · lower than 71% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 294 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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