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

Seminole County property record for 640 Red Pepper Loop, Chuluota, FL 32766

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,820 sqft · built 2004
Lot Size	0.308 acres (13,459 sqft)
Owner	2 Individual Names on Record
Last Sale	$360,500 (Jun 2018)
Tax Bill	$6,918 (2025)
Deeds & Mortgages	May 2021 Mortgage Jan 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`21-21-32-505-0000-0730`

Property Details

APN / Parcel Number

Primary APN	`21-21-32-505-0000-0730`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	2,820 sqft Living Area
1st Floor Area	1,234 sqft
2nd Floor Area	1,586 sqft
Upper Floors Area	1,586 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,459 sqft
Garage Area	594 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Finished/Screened Porch
Porch Area	304 sqft
Patio Area	784 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	640 RED PEPPER LOOP
City	CHULUOTA
State	FL
Zip	32766-6011
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 73 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	73
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	1
Census Block	1003
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	2 Individual Names on Record
Mailing Address	640 RED PEPPER LOOP, CHULUOTA, FL 32766-6011
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jan 19, 2017	Deed of Trust, Mortgage · Conventional Mortgage RP FUNDING INC
May 29, 2019	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Jun 25, 2018	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2018 · Amount on Record
Deed Sale	Jun 25, 2018 · Amount on Record
Prior Sale	Sep 3, 2013 · Amount on Record
Deed Document Number	2018072869
Deed Book / Page	09159 / 1871
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	640 RED PEPPER LOOP, CHULUOTA, FL 32766-6011
Transaction Type	Mortgage
Record Updated	Jun 9, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0099421379
Date	May 27, 2021
Book Page	9942/1379
Instrument	2021070570

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Nov 1, 2050

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	640 RED PEPPER LOOP, CHULUOTA, FL 32766-6011
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0088461347
Date	Jan 19, 2017
Book Page	08846/1347
Instrument	2017006576

Lender

Name	RP FUNDING INC
Type	Mortgage Company
Address	MAITLAND, FL 32751

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2032

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	640 RED PEPPER LOOP, CHULUOTA, FL 32766-6011
Document Number	0093670104
Instrument Date	May 29, 2019
Transaction Type	Mortgage
Record Updated	Jul 2, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	640 RED PEPPER LOOP CHULUOTA FL 327666011, CHULUOTA, FL 32766-6011

Mortgage

Document Number	0093670104
Date	Jun 6, 2019
Book Page	009367/000104
Instrument	59234

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 5, 2049

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Jun 25, 2018
Property Address	640 RED PEPPER LOOP, CHULUOTA, FL 32766-6011
Document Number	0091591871
Book / Page	009159 / 001871
Instrument Date	Jun 21, 2018
Instrument	72869
Transaction Type	Transfer
Record Updated	Jul 16, 2018
Title Company	NONA TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,523.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 RED PEPPER LOOP CHULUOTA FL 327666011, CHULUOTA, FL 32766-6011

Mortgage

Document Number	91591873
Date	Jun 25, 2018
Book Page	009159/001873
Instrument	72870

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 24, 2048

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	$6,918.00 (+12%)	$507,540 (+6.98%)	$507,540 (+6.98%) Land $107,000 Building $400,540
2023	$6,177.00 (+11.64%)	$474,406 (+17.65%)	$474,406 (+9.46%) Land $107,000 Building $367,406
2022	$5,533.00	$403,230	$433,414 Land $87,000 Building $346,414

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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