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

Seminole County property record for 637 Red Pepper Loop, Chuluota, FL 32766

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,256 sqft · built 2003
Lot Size0.29 acres (12,648 sqft)
Owner2 Individual Names on File
Last Sale$187,300 (Jan 2004)
Tax Bill$2,665 (2025)
Deeds & MortgagesAug 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN21-21-32-505-0000-0390

Property Details

APN / Parcel Number

Primary APN21-21-32-505-0000-0390
Alternative APN
  • 21322150500000390

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures7 Plumbing Fixtures
Stories1 Story
Building Area2,256 sqft Living Area
Gross Area2,616 sqft
1st Floor Area2,256 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2003
Effective Year BuiltEffective 2003
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area12,648 sqft (0.29 acres)
Garage TypeAttached
Garage Area360 sqft
Parking Spaces1 Parking Space

Exterior Amenities

Pool Area1 sqft
PorchOpen Porch
Porch Area303 sqft
Deck AreaDeck Area
Patio Area416 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelGas

Location & Zoning

Street Address637 RED PEPPER LOOP
CityCHULUOTA
StateFL
Zip32766-6010
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePUD
Legal DescriptionLOT 39 TRAILS UNIT 1 PB 62 PGS 59 - 64
Legal Range32E
Legal Township21S
Legal Section21
Legal SubdivisionTRAILS UNIT 1
Legal Tract505
Legal Lot Number39
JurisdictionSEMINOLE FL
Township / Civil DivisionOVIEDO
Census Block Group1
Census Block1000
Census Tract21206

Owner

637 Red Pepper Loop is owned and occupied by two individuals who acquired it in June 2024.

Source: Seminole County records, as of March 6, 2026

Owner of Record2 Individual Names on File
Mailing Address637 RED PEPPER LOOP, CHULUOTA, FL 32766-6010
OccupancyOwner Occupied
Owner TypeIndividual
VestingLife Estate

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 5, 2004 · Amount on File
Deed SaleJan 5, 2004 · Amount on File
Deed Document Number20041087
Deed Book / Page5155 / 158
Last Transfer DateJun 29, 2024
Transfer Doc0106691440
Record UpdatedJun 8, 2026

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSEMINOLE FL
Property Address637 RED PEPPER LOOP, CHULUOTA, FL 32766-6010
Transaction TypeMortgage
Record UpdatedAug 2, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address637 RED PEPPER LOOP, CHULUOTA, FL 32766-6010

Mortgage

Document Number0100151241
DateAug 16, 2021
Book Page10015/1241
Instrument2021108233
Lender
NameFINANCE OF AMERICA MORTGAGE LLC
TypeMortgage Company
AddressCONSHOHOCKEN, PA 19428
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueSep 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 637 Red Pepper Loop was $2,665.

Source: Seminole County assessment roll, as of December 29, 2025

Property Jurisdictions

TypeName
StateFlorida
CountySeminole County
Unified School DistrictSeminole County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,665.00$205,014$414,476 Land $107,000 Building $307,476
2023$2,413.00 (+2.72%) Homeowner's exemption$193,433 (+3%)$393,803 (+10.14%) Land $107,000 Building $286,803
2022$2,349.00 Homeowner's exemption$187,799$357,563 Land $87,000 Building $270,563

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 637 Red Pepper Loop in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2016.

Source: FEMA National Flood Hazard Layer, effective November 27, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 55 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies55 in force
Nearby Flood Claims5 (2016–2026)
Claims Outside the SFHA2 of 5
Most Recent ClaimAug 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

Wildfire risk around 637 Red Pepper Loop is moderate, ranking above 55% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 55% of the US · lower than 73% of Florida
Wildfire Likelihood0.1% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemCHULUOTA WATER SYSTEM
public/private · serves 3,863 people · EPA ID FL3590186
Water SourceGroundwater
Last State InspectionDec 2025
Lead3 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityTotal trihalomethanes
resolved · Apr 2020
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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