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

Seminole County property record for 521 E 5th St, Chuluota, FL 32766

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,350 sqft · built 1959
Lot Size	0.258 acres (11,250 sqft)
Owner	Individual Name on Record
Last Sale	$245,000 (Jun 2020)
Tax Bill	$4,381 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-21-32-5CF-3400-0110`

Property Details

APN / Parcel Number

Primary APN	`21-21-32-5CF-3400-0110`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,350 sqft Living Area
1st Floor Area	600 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1959
Effective Year Built	Effective 2014
Exterior Material	Concrete Block
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Gable
Roof Material	Rolled Roofing
Lot Area	11,250 sqft (0.258 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Garage Area	180 sqft
Porch	Porch
Porch Area	554 sqft
Utility Building	78 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	521 E 5TH ST
City	CHULUOTA
State	FL
Zip	32766-8619
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11 BLK 34 NORTH CHULUOTA PB 2 PG 54 TO 58
Legal Range	32E
Legal Township	21S
Legal Section	21
Legal Subdivision	NORTH CHULUOTA
Legal Block	34
Legal Lot Number	11
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	521 E 5TH ST, CHULUOTA, FL 32766-8619
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 2020 · Amount on Record
Deed Sale	Jun 16, 2020 · Amount on Record
Prior Sale	Apr 13, 2016 · Amount on Record
Deed Document Number	2020061990
Deed Book / Page	9625 / 1004
Record Updated	Jun 8, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Jun 16, 2020
Property Address	521 E 5TH ST, CHULUOTA, FL 32766-8619
Document Number	0096251004
Book / Page	9625 / 1004
Map Reference	MB 2 PG 54-58
Instrument Date	Jun 12, 2020
Instrument	2020061990
Transaction Type	Transfer
Record Updated	Dec 22, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,715.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2131 BASTINGS AVE, 2131, ORLANDO, FL 32833-3745

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 E 5TH ST, CHULUOTA, FL 32766-8619

Mortgage

Document Number	0096251007
Date	Jun 16, 2020
Instrument	9625/1007

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

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	$4,381.00 (+11.76%)	$320,400 (+14.8%)	$320,400 (+14.8%) Land $92,700 Building $227,700
2023	$3,920.00 (+6.81%)	$279,084 (+5.59%)	$279,084 (-0.63%) Land $69,525 Building $209,559
2022	$3,670.00	$264,306	$280,841 Land $73,388 Building $207,453

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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