1034 Vernon Loop, Oviedo, FL 32765 Property Records

Seminole County property record for 1034 Vernon Loop, Oviedo, FL 32765

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,676 sqft · built 1987
Lot Size	0.302 acres (13,159 sqft)
Owner	2 Owner Names on Record
Last Sale	$130,000 (Dec 2011)
Tax Bill	$1,985 (2025)
Deeds & Mortgages	Jan 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-21-31-510-0000-0360`

Property Details

APN / Parcel Number

Primary APN	`23-21-31-510-0000-0360`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	2 Stories
Building Area	1,676 sqft Living Area
1st Floor Area	1,074 sqft
2nd Floor Area	602 sqft
Upper Floors Area	602 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

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	13,159 sqft
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	110 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1034 VERNON LOOP
City	OVIEDO
State	FL
Zip	32765-6012
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 36 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	36
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	1
Census Block	1006
Census Tract	21319

Owner

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 Owner Names on Record
Mailing Address	1034 VERNON LOOP, OVIEDO, FL 32765-6012
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2011 · Amount on Record
Deed Sale	Dec 1, 2011 · Amount on Record
Prior Sale	Nov 17, 1995 · Amount on Record
Deed Document Number	2011129525
Deed Book / Page	07673 / 1212
Record Updated	Jun 8, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	1034 VERNON LOOP, OVIEDO, FL 32765-6012
Document Number	0090610712
Book / Page	009061 / 000712
Instrument Date	Jan 11, 2018
Transaction Type	Mortgage
Record Updated	Feb 5, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1034 VERNON LOOP OVIEDO FL 327656012, OVIEDO, FL 32765-6012

Mortgage

Document Number	0090610712
Date	Jan 22, 2018
Book Page	009061/000712
Instrument	7232

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 21, 2048

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	$1,985.00 (+12.46%) Homeowner's exemption	$156,450 (+5.99%)	$351,300 (+1.69%) Land $94,000 Building $257,300
2023	$1,765.00 (+3.34%) Homeowner's exemption	$147,613 (+3%)	$345,446 (+12.23%) Land $94,000 Building $251,446
2022	$1,708.00 Homeowner's exemption	$143,314	$307,805 Land $81,000 Building $226,805

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 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	Hurricane Ian, Sep 2022 · 2 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 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 297 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30