1038 Vernon Loop, Oviedo, FL 32765 Property Records

Seminole County property record for 1038 Vernon Loop, Oviedo, FL 32765

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,344 sqft · built 1988
Lot Size	0.134 acres (5,834 sqft)
Owner	Company Name on Record
Last Sale	$100 (May 2012)
Tax Bill	$1,689 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`23-21-31-510-0000-0380`

Property Details

APN / Parcel Number

Primary APN	`23-21-31-510-0000-0380`
Alternative APN	`21312351000000380`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,344 sqft Living Area
Gross Area	1,806 sqft
1st Floor Area	1,320 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

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	5,834 sqft (0.134 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Florida Room
Porch Area	120 sqft
Patio Area	1 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1038 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 38 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	38
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	1
Census Block	1006
Census Tract	21319

Owner

Source: Seminole County records, as of January 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	1038 VERNON LOOP, OVIEDO, FL 32765-6012
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2012 · Amount on Record
Deed Sale	May 1, 2012 · Amount on Record
Prior Sale	Oct 6, 2006 · Amount on Record
Deed Book / Page	7790 / 1034
Transfer Doc	4304000386
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	1038 VERNON LOOP, OVIEDO, FL 32765-6012
Transaction Type	Mortgage
Record Updated	Jan 20, 2026
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1038 VERNON LOOP, OVIEDO, FL 32765-6012

Mortgage

Document Number	0109621469
Date	Jan 7, 2026
Book Page	10962/1469
Instrument	2026001260

Lender

Name	FAIRWINDS CU
Type	Credit Union
Address	ORLANDO, FL 32826

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 25, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Seminole County assessment roll, as of December 29, 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	$1,689.00 (+12.68%) Homeowner's exemption	$138,728 (+5.99%)	$310,738 (+1.64%) Land $94,000 Building $216,738
2023	$1,499.00 (+3.52%) Homeowner's exemption	$130,891 (+3%)	$305,710 (+12.02%) Land $94,000 Building $211,710
2022	$1,448.00 Homeowner's exemption	$127,079	$272,912 Land $81,000 Building $191,912

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