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

Seminole County property record for 665 Red Pepper Loop, Chuluota, FL 32766

Property Summary

Property Type	Single Family Home
Details	5 bd · 5.5 ba · 3,884 sqft · built 2004
Lot Size	0.263 acres (11,436 sqft)
Owner	2 Individual Names on Record
Last Sale	$390,000 (Nov 2018)
Tax Bill	$5,578 (2025)
Deeds & Mortgages	May 2020 Mortgage Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`21-21-32-505-0000-0320`

Property Details

APN / Parcel Number

Primary APN	`21-21-32-505-0000-0320`
Alternative APN	`21322150500000320`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	16 Plumbing Fixtures
Stories	2 Stories
Building Area	3,884 sqft Living Area
Gross Area	4,500 sqft
1st Floor Area	1,712 sqft
Upper Floors Area	2,172 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,436 sqft (0.263 acres)
Garage Type	Attached
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Open Porch
Porch Area	48 sqft
Patio Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	665 RED PEPPER LOOP
City	CHULUOTA
State	FL
Zip	32766-6010
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 32 TRAILS UNIT 1 PB 62 PGS 59 - 64
Legal Range	32E
Legal Township	21S
Legal Section	21
Legal Subdivision	TRAILS UNIT 1
Legal Tract	505
Legal Lot Number	32
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 29, 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	665 RED PEPPER LOOP, CHULUOTA, FL 32766-6010
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Mar 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Nov 19, 2018	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Nov 2, 2017	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 19, 2018 · Amount on Record
Deed Sale	Nov 19, 2018 · Amount on Record
Prior Sale	Nov 2, 2017 · Amount on Record
Deed Document Number	2018131379
Deed Book / Page	9251 / 1078
Prior Transfer Date	Nov 1, 2017
Prior Transfer Doc	2017111186
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	665 RED PEPPER LOOP, CHULUOTA, FL 32766-6010
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0095921513
Date	May 1, 2020
Book Page	9592/1513
Instrument	2020045732

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	665 RED PEPPER LOOP, CHULUOTA, FL 32766-6010
Transaction Type	Mortgage
Record Updated	Aug 2, 2022
Title Company	QTS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	665 RED PEPPER LOOP, CHULUOTA, FL 32766-6010

Mortgage

Document Number	0098820457
Date	Mar 26, 2021
Book Page	9882/457
Instrument	2021038829

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

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

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Nov 19, 2018
Property Address	665 RED PEPPER LOOP, CHULUOTA, FL 32766-6010
Document Number	0092511078
Book / Page	09251 / 1078
Map Reference	MB62 PG59-64
Instrument Date	Nov 9, 2018
Instrument	2018131379
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	665 RED PEPPER LOOP, 665, CHULUOTA, FL 32766-6010

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	665 RED PEPPER LOOP, CHULUOTA, FL 32766-6010

Mortgage

Document Number	2018131380
Date	Nov 19, 2018
Instrument	2018131380

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Nov 2, 2017
Property Address	665 RED PEPPER LOOP, CHULUOTA, FL 32766-6010
Document Number	0090171998
Book / Page	009017 / 001998
Instrument Date	Nov 1, 2017
Instrument	111185
Transaction Type	Transfer
Record Updated	Feb 20, 2018
Title Company	FIRST SERVICE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,660.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	665 RED PEPPER LOOP CHULUOTA FL 327666010, CHULUOTA, FL 32766-6010

Mortgage

Document Number	90180001
Date	Nov 2, 2017
Book Page	009018/000001
Instrument	111186

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 1, 2037

Tax Assessment & Valuation

Source: Seminole County assessment roll, as of December 29, 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	$5,578.00 (+9.65%) Homeowner's exemption	$417,985 (+5.99%)	$607,637 (+7.17%) Land $107,000 Building $500,637
2023	$5,087.00 (+2.48%) Homeowner's exemption	$394,374 (+3%)	$566,999 (+9.11%) Land $107,000 Building $459,999
2022	$4,964.00 Homeowner's exemption	$382,887	$519,669 Land $87,000 Building $432,669

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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