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

Seminole County property record for 625 Red Pepper Loop, Chuluota, FL 32766

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,353 sqft · built 2003
Lot Size	0.291 acres (12,665 sqft)
Owner	2 Individual Names on Record
Last Sale	$313,000 (Apr 2018)
Tax Bill	$3,800 (2025)
Deeds & Mortgages	Sep 2026 Mortgage May 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`21-21-32-505-0000-0420`

Property Details

APN / Parcel Number

Primary APN	`21-21-32-505-0000-0420`
Alternative APN	`21322150500000420`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	2,353 sqft Living Area
Gross Area	2,913 sqft
1st Floor Area	1,256 sqft
Upper Floors Area	1,097 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Concrete Block/Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,665 sqft (0.291 acres)
Garage Type	Attached
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	24 sqft
Patio Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	625 RED PEPPER LOOP
City	CHULUOTA
State	FL
Zip	32766-6010
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 42 TRAILS UNIT 1 PB 62 PGS 59 - 64
Legal Range	32E
Legal Township	21S
Legal Section	21
Legal Subdivision	TRAILS UNIT 1
Legal Tract	505
Legal Lot Number	42
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	1
Census Block	1000
Census Tract	21206

Owner

Source: Seminole County records, as of October 12, 2026

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	2 Individual Names on Record
Mailing Address	625 RED PEPPER LOOP, CHULUOTA, FL 32766-6010
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNION CREDIT UNION
May 18, 2023	Deed of Trust, Mortgage · Line of Credit ADDITION FINANCIAL CU
Dec 18, 2020	Deed of Trust, Mortgage · Line of Credit ADDITION FIN'L CU
Dec 18, 2020	Deed of Trust, Mortgage · Conventional with PMI ADDITION FIN'L CU
Apr 30, 2018	Warranty Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2018 · Amount on Record
Deed Sale	Apr 30, 2018 · Amount on Record
Prior Sale	May 10, 2012 · Amount on Record
Deed Document Number	201846326
Deed Book / Page	9118 / 1538
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Recording Date	Sep 11, 2026
Property Address	625 RED PEPPER LOOP, CHULUOTA, FL 32766-6010
Document Number	0000090663
Book / Page	11110 / 309
Instrument Date	Sep 4, 2026
Instrument	202690663
Transaction Type	Mortgage
Record Updated	Sep 23, 2026
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	625 RED PEPPER LOOP, CHULUOTA, FL 32766-6010

Mortgage

Document Number	0000090663,
Date	Sep 11, 2026
Book Page	11110/309
Instrument	202690663

Lender

Name	UNION CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 10, 2041

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	625 RED PEPPER LOOP, CHULUOTA, FL 32766-6010
Transaction Type	Mortgage
Record Updated	May 30, 2023
Title Company	PRIMERA TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	625 RED PEPPER LOOP, CHULUOTA, FL 32766-6010

Mortgage

Document Number	0104410734
Date	May 18, 2023
Book Page	10441/734
Instrument	2023045651

Lender

Name	ADDITION FINANCIAL CU
Type	Credit Union
Address	LAKE MARY, FL 32746

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	420 Months
Due	May 17, 2058

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	625 RED PEPPER LOOP, CHULUOTA, FL 32766-6010
Document Number	0098001178
Instrument Date	Dec 18, 2020
Transaction Type	Mortgage
Record Updated	Jan 8, 2021
Title Company	PRIMERA TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	625 RED PEPPER LOOP CHULUOTA FL 327666010, CHULUOTA, FL 32766-6010

Mortgage

Document Number	0098001178
Date	Dec 30, 2020
Book Page	009800/001178
Instrument	150595

Lender

Name	ADDITION FIN'L CU
Address	LAKE MARY, FL 32746

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	420 Months
Due	Dec 29, 2055

Interest

Rate Type	Adjustable Rate

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	625 RED PEPPER LOOP, CHULUOTA, FL 32766-6010
Document Number	0098001160
Instrument Date	Dec 18, 2020
Transaction Type	Mortgage
Record Updated	Jan 8, 2021
Title Company	PRIMERA TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	625 RED PEPPER LOOP CHULUOTA FL 327666010, CHULUOTA, FL 32766-6010

Mortgage

Document Number	0098001160
Date	Dec 30, 2020
Book Page	009800/001160
Instrument	150594

Lender

Name	ADDITION FIN'L CU
Address	LAKE MARY, FL 32746

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 29, 2050

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Apr 30, 2018
Property Address	625 RED PEPPER LOOP, CHULUOTA, FL 32766-6010
Document Number	0091181538
Book / Page	09118 / 1538
Map Reference	MB62 PG59-64
Instrument Date	Apr 20, 2018
Instrument	2018046326
Transaction Type	Transfer
Record Updated	Dec 22, 2021
Title Company	MERCURY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,191.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	625 RED PEPPER LOOP, 625, CHULUOTA, FL 32766-6010

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	625 RED PEPPER LOOP, CHULUOTA, FL 32766-6010

Mortgage

Document Number	2018046327
Date	Apr 30, 2018
Instrument	2018046327

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

Tax Assessment & Valuation

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	$3,800.00 (+11.47%) Homeowner's exemption	$287,992 (+7.33%)	$406,747 (+6.56%) Land $107,000 Building $299,747
2023	$3,409.00 (+2.56%) Homeowner's exemption	$268,326 (+3%)	$381,702 (+10.77%) Land $107,000 Building $274,702
2022	$3,324.00 Homeowner's exemption	$260,511	$344,578 Land $87,000 Building $257,578

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 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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