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

Seminole County property record for 632 Red Pepper Loop, Chuluota, FL 32766

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,488 sqft · built 2003
Lot Size	0.259 acres (11,292 sqft)
Owner	Individual Name on Record
Last Sale	$240,000 (Nov 2015)
Tax Bill	$3,483 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21-21-32-505-0000-0740`

Property Details

APN / Parcel Number

Primary APN	`21-21-32-505-0000-0740`
Alternative APN	`21322150500000740`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	2,488 sqft Living Area
Gross Area	3,108 sqft
1st Floor Area	1,120 sqft
Upper Floors Area	1,088 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	11,292 sqft (0.259 acres)
Garage Type	Attached
Garage Area	620 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	304 sqft
Patio Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	632 RED PEPPER LOOP
City	CHULUOTA
State	FL
Zip	32766-6011
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 74 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	74
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	1
Census Block	1003
Census Tract	21206

Owner

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

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
Mailing Address	632 RED PEPPER LOOP, CHULUOTA, FL 32766-6011
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2021	Deed of Trust, Mortgage · FHA Mortgage BANK OF ENGLAND
Dec 9, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Oct 22, 2021	Intrafamily Transfer, Transfer NONA TITLE INC, NOMA TITLE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 30, 2015 · Amount on Record
Deed Sale	Nov 30, 2015 · Amount on Record
Prior Sale	May 1, 2004 · Amount on Record
Deed Document Number	2015129955
Deed Book / Page	8589 / 662
Last Transfer Date	Oct 8, 2021
Transfer Doc	0100770219
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	632 RED PEPPER LOOP, CHULUOTA, FL 32766-6011
Transaction Type	Mortgage
Record Updated	Mar 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	632 RED PEPPER LOOP, CHULUOTA, FL 32766-6011

Mortgage

Document Number	0100770206
Date	Oct 22, 2021
Book Page	10077/206
Instrument	2021139801

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	632 RED PEPPER LOOP, CHULUOTA, FL 32766-6011
Transaction Type	Mortgage
Record Updated	Aug 2, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0097841175
Date	Dec 9, 2020
Book Page	9784/1175
Instrument	2020142676

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SEMINOLE FL
Recording Date	Oct 22, 2021
Property Address	632 RED PEPPER LOOP, CHULUOTA, FL 32766-6011
Document Number	0100770219
Book / Page	10077 / 219
Map Reference	MB 62 PG 59-64
Instrument Date	Oct 8, 2021
Instrument	2021139802
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	NONA TITLE INC, NOMA TITLE INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	632 RED PEPPER LOOP, CHULUOTA, FL 32766-6011

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	$3,483.00 (+10.08%) Homeowner's exemption	$264,843 (+5.99%)	$406,402 (+5.74%) Land $107,000 Building $299,402
2023	$3,164.00 (+2.63%) Homeowner's exemption	$249,883 (+3%)	$384,349 (+10.69%) Land $107,000 Building $277,349
2022	$3,083.00 Homeowner's exemption	$242,605	$347,231 Land $87,000 Building $260,231

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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