1432 Circle Ln, Chuluota (Oviedo), FL 32766 Property Records

Seminole County property record for 1432 Circle Ln, Chuluota, FL 32766

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,280 sqft · built 1990
Lot Size	0.984 acres (42,881 sqft)
Owner	2 Individual Names on File
Last Sale	$510,000 (Sep 2023)
Tax Bill	$5,787 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Apr 2022 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`15-21-32-5UL-0000-115A`

Property Details

APN / Parcel Number

Primary APN	`15-21-32-5UL-0000-115A`
Alternative APN	`2132155UL0000115A`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	2,280 sqft Living Area
Gross Area	2,640 sqft
1st Floor Area	2,280 sqft
Basement Area	204 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2010
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	42,881 sqft (0.984 acres)
Lot Dimensions	313 ft deep x 137 ft wide
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	1 sqft
Porch	Enclosed/Finished Porch
Porch Area	204 sqft
Patio Area	1 sqft
Tennis Court	Tennis Court

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1432 CIRCLE LN
City	CHULUOTA
State	FL
Zip	32766-9283
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Description	SEC 15 TWP 21S RGE 32E PT OF LOTS 115 & 118 DESC AS BEG 375.15 FT N & 1329.37 FT E OF SW COR OF SE 1/4 RUN N 21 DEG 18 MIN 58 SEC W 139.25 FT N 32 DEG 38 MIN 8 SEC E 243.14 FT ELY ON CURVE 80.57 FT E 25 FT S 12 DEG 15 MIN 35 SEC W 182.71 FT S 34 DEG
Legal Range	32E
Legal Township	21S
Legal Section	15
Legal Subdivision	CHULA VISTA SEC 2
Legal Tract	5UL
Legal Lot Number	115 1
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	3
Census Block	3008
Census Tract	21205

Owner

1432 Circle Ln is owned and occupied by two individuals who bought it in September 2023.

Source: Seminole County records, as of March 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1432 CIRCLE LN, CHULUOTA, FL 32766-9283
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2023	Warranty Deed, Transfer · Conventional Mortgage GREGG A NELSEN ETUX
Apr 25, 2022	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Oct 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage FAIRWINDS CU
Oct 7, 2021	Deed of Trust, Mortgage · Line of Credit FAIRWINDS CU
Jun 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage FAIRWINDS CU
Sep 21, 2017	Deed of Trust, Mortgage · Line of Credit FAIRWINDS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2023 · Amount on File
Deed Sale	Sep 1, 2023 · Amount on File
Prior Sale	Sep 15, 2015 · Amount on File
Deed Document Number	202381274
Deed Book / Page	10500 / 1257
Transfer Doc	3137001766
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Sep 1, 2023
Property Address	1432 CIRCLE LN, CHULUOTA, FL 32766-9283
Document Number	0105001257
Book / Page	10500 / 1257
Instrument Date	Aug 30, 2023
Instrument	2023081274
Transaction Type	Transfer
Record Updated	Sep 13, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,570.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1432 CIRCLE LN, CHULUOTA, FL 32766-9283

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1432 CIRCLE LN, CHULUOTA, FL 32766-9283

Mortgage

Document Number	0105001259
Date	Sep 1, 2023
Instrument	10500/1259

Lender

Name	GREGG A NELSEN ETUX
Type	Private Party

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2053

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SEMINOLE FL
Recording Date	Apr 25, 2022
Property Address	1432 CIRCLE LN, CHULUOTA, FL 32766-9283
Document Number	0102240917
Book / Page	10224 / 917
Instrument Date	Apr 20, 2022
Instrument	2022049153
Transaction Type	Transfer
Record Updated	May 6, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1432 CIRCLE LN, 1432, CHULUOTA, FL 32766-9283

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1432 CIRCLE LN, CHULUOTA, FL 32766-9283

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	1432 CIRCLE LN, CHULUOTA, FL 32766-9283
Transaction Type	Mortgage
Record Updated	Oct 20, 2021
Title Company	SHORELINE TITLE LLC, SHORELINE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1432 CIRCLE LN, CHULUOTA, FL 32766-9283

Mortgage

Document Number	0100651176
Date	Oct 7, 2021
Book Page	10065/1176
Instrument	2021133325

Lender

Name	FAIRWINDS CU
Type	Credit Union
Address	ORLANDO, FL 32826

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2036

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	1432 CIRCLE LN, CHULUOTA, FL 32766-9283
Transaction Type	Mortgage
Record Updated	Oct 20, 2021
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1432 CIRCLE LN, CHULUOTA, FL 32766-9283

Mortgage

Document Number	0100651196
Date	Oct 7, 2021
Book Page	10065/1196
Instrument	2021133335

Lender

Name	FAIRWINDS CU
Type	Credit Union
Address	ORLANDO, FL 32826

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	1432 CIRCLE LN, CHULUOTA, FL 32766-9283
Document Number	0093841817
Instrument Date	Jun 24, 2019
Transaction Type	Mortgage
Record Updated	Jul 16, 2019
Title Company	COBBLESTONE TITLE SERVICES, COBBLESTONE TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1432 CIRCLE LN CHULUOTA FL 327669283, CHULUOTA, FL 32766-9283

Mortgage

Document Number	0093841817
Date	Jul 1, 2019
Book Page	009384/001817
Instrument	69682

Lender

Name	FAIRWINDS CU
Address	ORLANDO, FL 32826

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 30, 2034

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	1432 CIRCLE LN, CHULUOTA, FL 32766-9283
Document Number	0089961435
Book / Page	008996 / 001435
Instrument Date	Sep 21, 2017
Transaction Type	Mortgage
Record Updated	Oct 19, 2017
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1432 CIRCLE LN CHULUOTA FL 327669283, CHULUOTA, FL 32766-9283

Mortgage

Document Number	0089961435
Date	Sep 29, 2017
Book Page	008996/001435
Instrument	97666

Lender

Name	FAIRWINDS CU
Address	ORLANDO, FL 32826

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 28, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1432 Circle Ln was $5,787.

Source: Seminole County assessment roll, as of December 29, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Seminole County
Unified School District	Seminole County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,787.00	$441,644 Land $111,792 Building $329,852	$441,644 Land $111,792 Building $329,852
2023	$3,448.00 (+2.62%) Homeowner's exemption	$276,104 (+3%)	$469,239 (+8.26%) Land $121,108 Building $348,131
2022	$3,360.00 Homeowner's exemption	$268,062	$433,444 Land $111,792 Building $321,652

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1432 Circle Ln in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2017.

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 File median of 28 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	28 in force
Nearby Flood Claims	5 (2017–2024)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Oct 2024 · Hurricane Milton
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

Wildfire risk around 1432 Circle Ln is high, ranking above 78% of the US, with a 0.6% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 78% of the US · above 66% of Florida
Wildfire Likelihood	0.6% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 65 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Circle Ln

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