Seminole County property record for 1040 Vernon Loop, Oviedo, FL 32765 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 1,751 sqft · built 1988 |
| Lot Size | 0.126 acres (5,500 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,923 (2025) |
| Deeds & Mortgages | Jan 2026 Transfer Sep 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-21-31-510-0000-0390 |
| Primary APN | 23-21-31-510-0000-0390 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 1,751 sqft Living Area |
| Gross Area | 2,182 sqft |
| 1st Floor Area | 1,127 sqft |
| Upper Floors Area | 609 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 | 5,500 sqft (0.126 acres) |
| Garage Type | Attached |
| Garage Area | 431 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
|---|---|
| Porch Area | 330 sqft |
| Deck Area | Deck Area |
| Patio Area | 168 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 1040 VERNON LOOP |
|---|---|
| City | OVIEDO |
| State | FL |
| Zip | 32765-6012 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 39 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 | 39 |
| Jurisdiction | SEMINOLE FL |
| Township / Civil Division | OVIEDO |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 21319 |
Source: Seminole County records · APN 23-21-31-510-0000-0390
Assessment roll updated December 29, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 1040 VERNON LOOP, OVIEDO, FL 32765-6012 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Jan 23, 2026 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Sep 08, 2021 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| May 01, 2020 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 07, 1998 |
| Deed Sale | Jul 07, 1998 |
| Prior Sale | Jun 01, 1998 · Amount on Record |
| Deed Book / Page | 3456 / 1806 |
| Last Transfer Date | Jan 20, 2026 |
| Transfer Doc | 0109710614 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Jan 23, 2026 |
| Property Address | 1040 VERNON LOOP, OVIEDO, FL 32765-6012 |
| Document Number | 0109710614 |
| Book / Page | 10971 / 614 |
| Map Reference | MB 37 PG 20-22 |
| Instrument Date | Jan 20, 2026 |
| Instrument | 2026006998 |
| Transaction Type | Transfer |
| Record Updated | Feb 06, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1040 VERNON LOOP, OVIEDO, FL 32765-6012 |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 1040 VERNON LOOP, OVIEDO, FL 32765-6012 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 1040 VERNON LOOP, OVIEDO, FL 32765-6012 |
| Transaction Type | Mortgage |
| Record Updated | Sep 17, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0100371245 |
|---|---|
| Date | Sep 08, 2021 |
| Book Page | 10037/1245 |
| Instrument | 2021119164 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 1040 VERNON LOOP, OVIEDO, FL 32765-6012 |
| Document Number | 0095991658 |
| Instrument Date | May 01, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 26, 2020 |
| Title Company | TITLE365 - OMAHA |
| Name | Verified Name |
|---|---|
| Address | 1040 VERNON LOOP OVIEDO FL 327656012, OVIEDO, FL 32765-6012 |
| Document Number | 0095991658 |
|---|---|
| Date | May 11, 2020 |
| Book Page | 009599/001658 |
| Instrument | 48966 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 10, 2050 |
| Rate Type | Adjustable Rate |
|---|
Source: Seminole County records · Assessment roll updated December 29, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Seminole County |
| Municipality | Oviedo City |
| Unified School District | Seminole County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,923.00 (+12.59%) Homeowner's exemption | $152,661 (+5.99%) | $361,881 (+1.59%) Land $94,000 Building $267,881 |
| 2023 | $1,708.00 (+3.39%) Homeowner's exemption | $144,038 (+3%) | $356,204 (+12.03%) Land $94,000 Building $262,204 |
| 2022 | $1,652.00 Homeowner's exemption | $139,843 | $317,962 Land $81,000 Building $236,962 |
Source: FEMA National Flood Hazard Layer, Seminole County (12117C), updated November 27, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 57% of the US · above 29% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 676 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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