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

Seminole County property record for 653 Red Pepper Loop, Chuluota, FL 32766

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,916 sqft · built 2003
Lot Size	0.292 acres (12,722 sqft)
Owner	Individual Name on Record
Last Sale	$600,000 (Sep 2023)
Tax Bill	$5,755 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-21-32-505-0000-0350`

Property Details

APN / Parcel Number

Primary APN	`21-21-32-505-0000-0350`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	2,916 sqft Living Area
1st Floor Area	1,256 sqft
2nd Floor Area	1,660 sqft
Upper Floors Area	1,660 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	12,722 sqft
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	28 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	653 RED PEPPER LOOP
City	CHULUOTA
State	FL
Zip	32766-6010
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 35 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	35
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	653 RED PEPPER LOOP, CHULUOTA, FL 32766-6010
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2023	Warranty Deed, Transfer · Conventional Mortgage EQUITY PRIME MORTGAGE LLC
May 28, 2021	Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 7, 2023 · Amount on Record
Deed Sale	Sep 7, 2023 · Amount on Record
Prior Sale	May 28, 2021 · Amount on Record
Deed Document Number	2023083086
Deed Book / Page	10503 / 1391
Record Updated	Jun 8, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Sep 7, 2023
Property Address	653 RED PEPPER LOOP, CHULUOTA, FL 32766-6010
Document Number	0105031391
Book / Page	10503 / 1391
Map Reference	MB 62 PG 59-64
Instrument Date	Aug 31, 2023
Instrument	2023083086
Transaction Type	Transfer
Record Updated	Sep 19, 2023
Title Company	CELEBRATION TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3571 HOLLOW OAK RUN, OVIEDO, FL 32766-7019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	653 RED PEPPER LOOP, CHULUOTA, FL 32766-6010
Investor	Possibly a Property Investor

Mortgage

Document Number	0105031393
Date	Sep 7, 2023
Instrument	10503/1393

Lender

Name	EQUITY PRIME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2053

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	May 28, 2021
Property Address	653 RED PEPPER LOOP, CHULUOTA, FL 32766-6010
Document Number	0099431864
Book / Page	9943 / 1864
Map Reference	MB 62 PG 59-64
Instrument Date	May 13, 2021
Instrument	2021071209
Transaction Type	Transfer
Record Updated	Jun 9, 2021
Title Company	CELEBRATION TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,730.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	19444 BRIERCREST TRL, 19444, ORLANDO, FL 32833-5525

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	653 RED PEPPER LOOP, CHULUOTA, FL 32766-6010

Mortgage

Document Number	99431866
Date	May 28, 2021
Instrument	9943/1866

Lender

Name	TRUIST BANK
Type	Bank

Agreement

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

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	$5,755.00 (+16.45%) Homeowner's exemption	$462,152 (+20.5%)	$463,576 (+6%) Land $107,000 Building $356,576
2023	$4,942.00 (+2.47%) Homeowner's exemption	$383,524 (+3%)	$437,317 (+10.24%) Land $107,000 Building $330,317
2022	$4,823.00 Homeowner's exemption	$372,353	$396,708 Land $87,000 Building $309,708

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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