Seminole County property record for 1016 Vernon Loop, Oviedo, FL 32765
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,022 sqft · built 1988 |
| Lot Size | 0.224 acres (9,752 sqft) |
| Owner | 2 Individuals on Record |
| Last Sale | $400,000 (Jan 2023) |
| Tax Bill | $6,049 (2025) |
| Deeds & Mortgages | Jan 2023 Sale & Mortgage Aug 2022 Sale + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-21-31-510-0000-0270 |
| Primary APN | 23-21-31-510-0000-0270 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,022 sqft Living Area |
| 1st Floor Area | 1,178 sqft |
| Upper Floors Area | 424 sqft |
| Basement Area | 290 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,752 sqft (0.224 acres) |
| Garage Area | 450 sqft |
| Porch | Florida Room |
|---|---|
| Porch Area | 150 sqft |
| Patio Area | 1 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Utility Building | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 1016 VERNON LOOP |
|---|---|
| City | OVIEDO |
| State | FL |
| Zip | 32765-6012 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | LOT 27 ALAFAYA WOODS PH 18 PB 37 PGS 20 TO 22 |
| Legal Range | 31E |
| Legal Township | 21S |
| Legal Section | 23 |
| Legal Subdivision | ALAFAYA WOODS PH 18 |
| Legal Tract | 510 |
| Legal Lot Number | 27 |
| Jurisdiction | SEMINOLE FL |
| Township / Civil Division | OVIEDO |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 21319 |
Source: Seminole County assessment roll, as of December 29, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individuals on Record |
|---|---|
| Mailing Address | 1016 VERNON LOOP, OVIEDO, FL 32765-6012 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jan 4, 2023 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Aug 2, 2022 | Warranty Deed, Transfer OS NATIONAL LLC |
| Aug 10, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Apr 27, 2018 | Loan Modification, Mortgage · FHA Mortgage QUICKEN LNS |
| Apr 27, 2018 | Loan Modification, Mortgage · FHA Mortgage QUICKEN LNS |
| Jun 13, 2017 | Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 4, 2023 · Amount on Record |
| Deed Sale | Jan 4, 2023 · Amount on Record |
| Prior Sale | Aug 2, 2022 · Amount on Record |
| Deed Document Number | 2023568 |
| Deed Book / Page | 10371 / 200 |
| Prior Transfer Date | Jul 21, 2005 |
| Prior Transfer Doc | 0058330135 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Jan 4, 2023 |
| Property Address | 1016 VERNON LOOP, OVIEDO, FL 32765-6012 |
| Document Number | 0103710200 |
| Book / Page | 10371 / 200 |
| Map Reference | MB 37 PG 20-22 |
| Instrument Date | Oct 30, 2022 |
| Instrument | 2023000568 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,800.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 410 N SCOTTSDALE RD # RD1600, RD1600, TEMPE, AZ 85288-7094 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1016 VERNON LOOP, OVIEDO, FL 32765-6012 |
| Document Number | 0010371202 |
|---|---|
| Date | Jan 4, 2023 |
| Instrument | 10371/202 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Aug 2, 2022 |
| Property Address | 1016 VERNON LOOP, OVIEDO, FL 32765-6012 |
| Document Number | 0102891237 |
| Book / Page | 10289 / 1237 |
| Map Reference | MB 37 PG 20-22 |
| Instrument Date | Jul 28, 2022 |
| Instrument | 2022088784 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2022 |
| Title Company | OS NATIONAL LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,643.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 117 LAVENNA AVE, 117, SAINT CLOUD, FL 34771-9419 |
| Name | Verified Name |
|---|---|
| Address | 410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 1016 VERNON LOOP, OVIEDO, FL 32765-6012 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0096730847 |
|---|---|
| Date | Aug 10, 2020 |
| Book Page | 9673/847 |
| Instrument | 2020086495 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 1016 VERNON LOOP, OVIEDO, FL 32765-6012 |
| Document Number | 0091691241 |
| Instrument Date | Apr 27, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 26, 2018 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1016 VERNON LOOP OVIEDO FL 327656012, OVIEDO, FL 32765-6012 |
| Document Number | 0091691241 |
|---|---|
| Date | Jul 10, 2018 |
| Book Page | 009169/001241 |
| Instrument | 78961 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 9, 2048 |
| Rate | 3.75% |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 1016 VERNON LOOP, OVIEDO, FL 32765-6012 |
| Document Number | 0092641530 |
| Instrument Date | Apr 27, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 28, 2018 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1916 VERNON LOOP OVIEDO FL 32765, OVIEDO, FL 32765 |
| Document Number | 0092641530 |
|---|---|
| Date | Dec 12, 2018 |
| Book Page | 009264/001530 |
| Instrument | 139770 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 11, 2048 |
| Rate | 3.75% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Jun 13, 2017 |
| Property Address | 1016 VERNON LOOP, OVIEDO, FL 32765-6012 |
| Document Number | 0089300729 |
| Book / Page | 008930 / 000729 |
| Instrument Date | May 31, 2017 |
| Instrument | 58361 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2017 |
| Title Company | SUNBELT TITLE (AGENCY) |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,680.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1016 VERNON LOOP OVIEDO FL 327656012, OVIEDO, FL 32765-6012 |
| Document Number | 89300730 |
|---|---|
| Date | Jun 13, 2017 |
| Book Page | 008930/000730 |
| Instrument | 58362 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 12, 2047 |
Source: Seminole County assessment roll, as of December 29, 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 | $6,049.00 (+7.12%) | $355,924 (+1.67%) Land $94,000 Building $261,924 | $355,924 (+1.67%) Land $94,000 Building $261,924 |
| 2023 | $5,647.00 (+90.78%) | $350,092 (+58.05%) | $350,092 (+11.91%) Land $94,000 Building $256,092 |
| 2022 | $2,960.00 | $221,514 | $312,840 Land $81,000 Building $231,840 |
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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