520 E 5th St, Chuluota (Oviedo), FL 32766 Property Records

Seminole County property record for 520 E 5th St, Chuluota, FL 32766

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,336 sqft · built 2004
Lot Size	0.2 acres (8,727 sqft)
Owner	Individual Name on Record
Last Sale	$410,000 (Jun 2023)
Tax Bill	$4,443 (2024)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28-21-32-5MV-0000-0030`

Property Details

APN / Parcel Number

Primary APN	`28-21-32-5MV-0000-0030`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,336 sqft Living Area
1st Floor Area	1,336 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,727 sqft
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Porch
Porch Area	21 sqft
Patio Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	520 E 5TH ST
City	CHULUOTA
State	FL
Zip	32766-8626
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 CHULA WOODS PB 50 PGS 22 & 23
Legal Range	32E
Legal Township	21S
Legal Section	28
Legal Subdivision	CHULA WOODS
Legal Lot Number	3
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	2
Census Block	2000
Census Tract	21205

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	520 E 5TH ST, CHULUOTA, FL 32766-8626
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2023	Warranty Deed, Transfer · VA Mortgage USAA FSB
Jun 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Sep 20, 2018	Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2023 · Amount on Record
Deed Sale	Jun 30, 2023 · Amount on Record
Prior Sale	Sep 20, 2018 · Amount on Record
Deed Document Number	0010466911
Deed Book / Page	10466 / 911
Record Updated	Jun 8, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Jun 30, 2023
Property Address	520 E 5TH ST, CHULUOTA, FL 32766-8626
Document Number	0104660911
Book / Page	10466 / 911
Map Reference	MB 50 PG 22&23
Instrument Date	Jun 30, 2023
Instrument	2023060560
Transaction Type	Transfer
Record Updated	Jul 21, 2023
Title Company	COBBLESTONE TITLE SERVICES LLC, COBBLESTONE TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,870.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14036 LAKE UNDERHILL RD, ORLANDO, FL 32828-8355

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 E 5TH ST, CHULUOTA, FL 32766-8626

Mortgage

Document Number	0010466913
Date	Jun 30, 2023
Instrument	10466/913

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	520 E 5TH ST, CHULUOTA, FL 32766-8626
Transaction Type	Mortgage
Record Updated	May 27, 2022
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0099480876
Date	Jun 2, 2021
Book Page	9948/876
Instrument	2021073203

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Sep 20, 2018
Property Address	520 E 5TH ST, CHULUOTA, FL 32766-8626
Document Number	0092151889
Book / Page	009215 / 001889
Instrument Date	Sep 13, 2018
Instrument	108284
Transaction Type	Transfer
Record Updated	Nov 22, 2018
Title Company	NONA TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,820.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 E 5TH ST CHULUOTA FL 327668626, CHULUOTA, FL 32766-8626

Mortgage

Document Number	92151891
Date	Sep 20, 2018
Book Page	009215/001891
Instrument	108285

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 19, 2048

Tax Assessment & Valuation

Source: Seminole County assessment roll, as of July 1, 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		$328,423 (+39.86%)	$328,423 (+11.06%) Land $71,000 Building $257,423
2024	$4,443.00 (+53.26%)
2023	$2,899.00 (+2.73%) Homeowner's exemption	$234,829 (+3%)	$295,727 (+0.7%) Land $60,000 Building $235,727
2022	$2,822.00 Homeowner's exemption	$227,989	$293,678 Land $60,000 Building $233,678

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 19 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	3 (2022–2024)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Oct 2024 · Hurricane Milton

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 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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	CHULUOTA WATER SYSTEM public/private · serves 3,863 people · EPA ID FL3590186
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2020
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 111 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 35

May also be available: T-Mobile, Verizon.

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