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

Seminole County property record for 669 Red Pepper Loop, Chuluota, FL 32766

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,728 sqft · built 2004
Lot Size	0.285 acres (12,400 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Sep 2017)
Tax Bill	$3,014 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Feb 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`21-21-32-505-0000-0310`

Property Details

APN / Parcel Number

Primary APN	`21-21-32-505-0000-0310`
Alternative APN	`21322150500000310`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,728 sqft Living Area
Gross Area	2,128 sqft
1st Floor Area	1,728 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	12,400 sqft (0.285 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	20 sqft
Patio Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	669 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 31 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	31
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	669 RED PEPPER LOOP, CHULUOTA, FL 32766-6010
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2025	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Feb 22, 2023	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
May 14, 2020	Quit Claim Deed, Transfer CALIBER HM LOANS
Sep 28, 2017	Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2017 · Amount on Record
Deed Sale	Sep 28, 2017 · Amount on Record
Prior Sale	Sep 2, 2014 · Amount on Record
Deed Document Number	201797195
Last Transfer Date	May 6, 2020
Transfer Doc	0096020470
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	669 RED PEPPER LOOP, CHULUOTA, FL 32766-6010
Transaction Type	Mortgage
Record Updated	Dec 2, 2025
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	669 RED PEPPER LOOP, CHULUOTA, FL 32766-6010

Mortgage

Document Number	0109371614
Date	Nov 19, 2025
Book Page	10937/1614
Instrument	2025115767

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 27, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	669 RED PEPPER LOOP, CHULUOTA, FL 32766-6010
Transaction Type	Mortgage
Record Updated	Mar 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	669 RED PEPPER LOOP, CHULUOTA, FL 32766-6010

Mortgage

Document Number	0103940287
Date	Feb 22, 2023
Book Page	10394/287
Instrument	2023016470

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Mar 3, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SEMINOLE FL
Recording Date	May 14, 2020
Property Address	669 RED PEPPER LOOP, CHULUOTA, FL 32766-6010
Document Number	0096020470
Book / Page	009602 / 000470
Instrument Date	May 6, 2020
Instrument	50216
Transaction Type	Transfer
Record Updated	Jun 26, 2020
Title Company	CITY TITLE, CITY TITLE SVCS

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	669 RED PEPPER LOOP CHULUOTA FL 327666010, CHULUOTA, FL 32766-6010

Mortgage

Document Number	96020472
Date	May 14, 2020
Book Page	009602/000472
Instrument	50217

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 13, 2050

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Sep 28, 2017
Property Address	669 RED PEPPER LOOP, CHULUOTA, FL 32766-6010
Document Number	0089951551
Book / Page	008995 / 001551
Instrument Date	Sep 21, 2017
Instrument	97195
Transaction Type	Transfer
Record Updated	Oct 19, 2017
Title Company	FIRST SIGNATURE TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,925.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	669 RED PEPPER LOOP CHULUOTA FL 327666010, CHULUOTA, FL 32766-6010

Mortgage

Document Number	89951553
Date	Sep 28, 2017
Book Page	008995/001553
Instrument	97196

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 27, 2047

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	$3,014.00 (+10.28%) Homeowner's exemption	$230,528 (+5.99%)	$326,142 (+5.2%) Land $107,000 Building $219,142
2023	$2,733.00 (+2.67%) Homeowner's exemption	$217,506 (+3%)	$310,013 (+11.74%) Land $107,000 Building $203,013
2022	$2,662.00 Homeowner's exemption	$211,171	$277,440 Land $87,000 Building $190,440

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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