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

Seminole County property record for 644 Red Pepper Loop, Chuluota, FL 32766

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,088 sqft · built 2003
Lot Size	0.266 acres (11,592 sqft)
Owner	Individual Name on File
Last Sale	$270,000 (Dec 2016)
Tax Bill	$3,077 (2025)
Deeds & Mortgages	Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-21-32-505-0000-0720`

Property Details

APN / Parcel Number

Primary APN	`21-21-32-505-0000-0720`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	2,088 sqft Living Area
1st Floor Area	2,088 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,592 sqft
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Porch
Porch Area	15 sqft
Patio Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	644 RED PEPPER LOOP
City	CHULUOTA
State	FL
Zip	32766-6011
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 72 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	72
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	1
Census Block	1003
Census Tract	21206

Owner

Source: Seminole County records · APN 21-21-32-505-0000-0720

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	644 RED PEPPER LOOP, CHULUOTA, FL 32766-6011
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 30, 2016 · Amount on Record
Deed Sale	Dec 30, 2016 · Amount on Record
Prior Sale	Aug 26, 2016 · Amount on Record
Deed Document Number	2016135309
Deed Book / Page	08834 / 1846
Record Updated	Jun 08, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	644 RED PEPPER LOOP, CHULUOTA, FL 32766-6011
Transaction Type	Mortgage
Record Updated	Aug 02, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0096410248
Date	Jul 06, 2020
Book Page	9641/248
Instrument	2020070241

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company
Address	FRANKFORT, KY 40601

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2050

Tax Assessment & Valuation

Source: Seminole County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Seminole County
Unified School District	Seminole County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,077.00 (-0.16%) Homeowner's exemption	$258,335 (+5.99%)	$388,914 (+5.19%) Land $107,000 Building $281,914
2023	$3,082.00 (+2.6%) Homeowner's exemption	$243,742 (+3%)	$369,715 (+10.45%) Land $107,000 Building $262,715
2022	$3,004.00 Homeowner's exemption	$236,643	$334,746 Land $87,000 Building $247,746

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Seminole County (12117C), as of November 27, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121170212061, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

Based on FCC filings for 112 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL3590186, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CHULUOTA WATER SYSTEM public/private · serves 3,863 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.