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

Seminole County property record for 641 Red Pepper Loop, Chuluota, FL 32766

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 3,884 sqft · built 2004
Lot Size	0.387 acres (16,861 sqft)
Owner	2 Owner Names on Record
Last Sale	$242,914 (Apr 2004)
Tax Bill	$3,713 (2025)
Deeds & Mortgages	Jun 2023 Second Mortgage Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21-21-32-505-0000-0380`

Property Details

APN / Parcel Number

Primary APN	`21-21-32-505-0000-0380`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Plumbing Fixtures	16 Plumbing Fixtures
Stories	2 Stories
Building Area	3,884 sqft Living Area
1st Floor Area	1,712 sqft
2nd Floor Area	2,172 sqft
Upper Floors Area	2,172 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	16,861 sqft
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Finished/Screened Porch
Porch Area	348 sqft
Patio Area	663 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	641 RED PEPPER LOOP
City	CHULUOTA
State	FL
Zip	32766-6010
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 38 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	38
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	2 Owner Names on Record
Mailing Address	641 RED PEPPER LOOP, CHULUOTA, FL 32766-6010
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FAIRWINDS CU
Jul 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage INTERCONTINENTAL CAPITAL GROUP INC
May 1, 2018	Deed of Trust, Mortgage · Commercial Mortgage SUNTRUST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 7, 2004 · Amount on Record
Deed Sale	Apr 7, 2004 · Amount on Record
Deed Document Number	2004052007
Deed Book / Page	05255 / 1705
Record Updated	Jun 8, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	641 RED PEPPER LOOP, CHULUOTA, FL 32766-6010
Transaction Type	Mortgage
Record Updated	Jul 6, 2023
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	641 RED PEPPER LOOP, CHULUOTA, FL 32766-6010

Mortgage

Document Number	0104620048
Date	Jun 23, 2023
Book Page	10462/48
Instrument	2023058014

Lender

Name	FAIRWINDS CU
Type	Credit Union
Address	ORLANDO, FL 32826

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2038

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	641 RED PEPPER LOOP, CHULUOTA, FL 32766-6010
Transaction Type	Mortgage
Record Updated	Aug 4, 2021
Title Company	NATIONWIDE TITLE CLEARING INC, NATIONWIDE TTL CLEARING INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	641 RED PEPPER LOOP, CHULUOTA, FL 32766-6010

Mortgage

Document Number	0099910560
Date	Jul 19, 2021
Book Page	9991/560
Instrument	2021095325

Lender

Name	INTERCONTINENTAL CAPITAL GROUP INC
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	641 RED PEPPER LOOP, CHULUOTA, FL 32766-6010
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0091191221
Date	May 1, 2018
Book Page	09119/1221
Instrument	2018046889

Lender

Name	SUNTRUST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$3,713.00 (+1.73%) Homeowner's exemption	$303,556 (+5.99%)	$613,398 (+6.16%) Land $107,000 Building $506,398
2023	$3,650.00 (+2.56%) Homeowner's exemption	$286,409 (+3%)	$577,786 (+9.07%) Land $107,000 Building $470,786
2022	$3,559.00 Homeowner's exemption	$278,067	$529,721 Land $87,000 Building $442,721

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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