1037 Vernon Loop, Oviedo, FL 32765 Property Records

Seminole County property record for 1037 Vernon Loop, Oviedo, FL 32765

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,602 sqft · built 1987
Lot Size	0.18 acres (7,845 sqft)
Owner	Individual Name on Record
Last Sale	$452,000 (May 2022)
Tax Bill	$5,383 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-21-31-510-0000-0500`

Property Details

APN / Parcel Number

Primary APN	`23-21-31-510-0000-0500`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	1,602 sqft Living Area
1st Floor Area	1,178 sqft
2nd Floor Area	424 sqft
Upper Floors Area	424 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	7,845 sqft
Garage Area	450 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Porch
Porch Area	150 sqft
Patio Area	638 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1037 VERNON LOOP
City	OVIEDO
State	FL
Zip	32765-6013
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 50 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	50
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	1
Census Block	1007
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1037 VERNON LOOP, OVIEDO, FL 32765-6013
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2022 · Amount on Record
Deed Sale	May 27, 2022 · Amount on Record
Prior Sale	Feb 16, 2006 · Amount on Record
Deed Document Number	2022063343
Deed Book / Page	10248 / 350
Record Updated	Jun 8, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	May 27, 2022
Property Address	1037 VERNON LOOP, OVIEDO, FL 32765-6013
Document Number	0102480350
Book / Page	10248 / 350
Map Reference	MB 37 PG 20-22
Instrument Date	May 20, 2022
Instrument	2022063343
Transaction Type	Transfer
Record Updated	Jun 9, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,164.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3651 THOMPSON RD, 3651, LAKE MARY, FL 32746-4047

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1037 VERNON LOOP, OVIEDO, FL 32765-6013

Mortgage

Document Number	0010248352
Date	May 27, 2022
Instrument	10248/352

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

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	$5,383.00 (+4.81%) Homeowner's exemption	$364,934 (+1.5%)	$364,934 (+1.5%) Land $94,000 Building $270,934
2023	$5,136.00 (+12.78%) Homeowner's exemption	$359,544 (+19.65%)	$359,544 (+11.45%) Land $94,000 Building $265,544
2022	$4,554.00 Homeowner's exemption	$300,484	$322,613 Land $81,000 Building $241,613

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	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.

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 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