Seminole County property record for 1020 Vernon Loop, Oviedo, FL 32765
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,352 sqft · built 1988 |
| Lot Size | 0.162 acres (7,053 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $153,000 (Apr 2015) |
| Tax Bill | $2,503 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Feb 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-21-31-510-0000-0290 |
| Primary APN | 23-21-31-510-0000-0290 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,352 sqft Living Area |
| Gross Area | 1,792 sqft |
| 1st Floor Area | 1,324 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,053 sqft (0.162 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
| Porch Area | 232 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 1020 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 29 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 | 29 |
| Jurisdiction | SEMINOLE FL |
| Township / Civil Division | OVIEDO |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 21319 |
Source: Seminole County records, as of April 20, 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 | 1020 VERNON LOOP, OVIEDO, FL 32765-6012 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION |
| Feb 21, 2018 | Deed of Trust, Mortgage · Conventional Mortgage RP FUNDING INC |
| Jun 19, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CENTENNIAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 10, 2015 · Amount on Record |
| Deed Sale | Apr 10, 2015 · Amount on Record |
| Prior Sale | Jan 3, 2013 |
| Deed Document Number | 201538490 |
| Deed Book / Page | 8448 / 880 |
| Transfer Doc | 3299000552 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 1020 VERNON LOOP, OVIEDO, FL 32765-6012 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1020 VERNON LOOP, OVIEDO, FL 32765-6012 |
| Document Number | 0101030464 |
|---|---|
| Date | Nov 19, 2021 |
| Book Page | 10103/464 |
| Instrument | 2021152984 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.75% |
| Type Change Date | Dec 1, 2031 |
| Change Frequency | Monthly |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 7.75% |
| Index | Other |
| Max Rate | 7.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 1020 VERNON LOOP, OVIEDO, FL 32765-6012 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0090781398 |
|---|---|
| Date | Feb 21, 2018 |
| Book Page | 09078/1398 |
| Instrument | 2018019806 |
| Name | RP FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | MAITLAND, FL 32751 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 1020 VERNON LOOP, OVIEDO, FL 32765-6012 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0096280995 |
|---|---|
| Date | Jun 19, 2020 |
| Book Page | 9628/995 |
| Instrument | 2020063808 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Address | CONWAY, AR 72033 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2050 |
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 | $2,503.00 (+12.44%) Homeowner's exemption | $187,207 (+5.99%) | $304,798 (+1.53%) Land $94,000 Building $210,798 |
| 2023 | $2,226.00 (+3.1%) Homeowner's exemption | $176,632 (+3%) | $300,214 (+7.1%) Land $94,000 Building $206,214 |
| 2022 | $2,159.00 Homeowner's exemption | $171,487 | $280,302 Land $81,000 Building $199,302 |
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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