613 Red Pepper Loop, Chuluota (Oviedo), FL 32766 Property Records

Seminole County property record for 613 Red Pepper Loop, Chuluota, FL 32766

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,256 sqft · built 2003
Lot Size	0.279 acres (12,169 sqft)
Owner	Individual Name on Record
Last Sale	$425,000 (Sep 2023)
Tax Bill	$4,712 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-21-32-505-0000-0450`

Property Details

APN / Parcel Number

Primary APN	`21-21-32-505-0000-0450`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	2,256 sqft Living Area
1st Floor Area	2,256 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,169 sqft
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	15 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	613 RED PEPPER LOOP
City	CHULUOTA
State	FL
Zip	32766-6010
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 45 TRAILS UNIT 1 PB 62 PGS 59 - 64
Legal Range	32E
Legal Township	21S
Legal Section	21
Legal Subdivision	TRAILS
Legal Tract	505
Legal Lot Number	45
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	1
Census Block	1000
Census Tract	21206

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	613 RED PEPPER LOOP, CHULUOTA, FL 32766-6010
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2025	Deed of Trust, Mortgage · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Sep 14, 2023	Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2023 · Amount on Record
Deed Sale	Sep 14, 2023 · Amount on Record
Prior Sale	Jan 18, 2013
Deed Document Number	2023085052
Deed Book / Page	10506 / 1628
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	613 RED PEPPER LOOP, CHULUOTA, FL 32766-6010
Transaction Type	Mortgage
Record Updated	Dec 10, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	613 RED PEPPER LOOP, CHULUOTA, FL 32766-6010

Mortgage

Document Number	0109400299
Date	Nov 21, 2025
Book Page	10940/299
Instrument	2025117178

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2055

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Sep 14, 2023
Property Address	613 RED PEPPER LOOP, CHULUOTA, FL 32766-6010
Document Number	0105061628
Book / Page	10506 / 1628
Map Reference	MB 62 PG 59-64
Instrument Date	Sep 8, 2023
Instrument	2023085052
Transaction Type	Transfer
Record Updated	Sep 25, 2023
Title Company	EAST COAST T&E LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,975.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1005 NANCY CIR, WINTER SPRINGS, FL 32708-4334

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	613 RED PEPPER LOOP, CHULUOTA, FL 32766-6010

Mortgage

Document Number	0105061630
Date	Sep 14, 2023
Instrument	10506/1630

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

Mortgage

Document Number	0105061647
Date	Sep 14, 2023
Book Page	10506/1647
Instrument	2023085054

Lender

Name	FLORIDA HOUSING FINANCE CORP
Type	Government Agency
Address	TALLAHASSEE, FL 32301

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

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	$4,712.00 (+113.79%) Homeowner's exemption	$386,051 (+117.21%)	$386,051 (+5.68%) Land $107,000 Building $279,051
2023	$2,204.00 (+2.8%) Homeowner's exemption	$177,731 (+3%)	$365,317 (+10.9%) Land $107,000 Building $258,317
2022	$2,144.00 Homeowner's exemption	$172,554	$329,400 Land $87,000 Building $242,400

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 55 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	55 in force
Nearby Flood Claims	5 (2016–2026)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Aug 2026 · rainfall accumulation

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	Moderate above 55% of the US · lower than 73% of Florida
Wildfire Likelihood	0.1% 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	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 112 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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